Our Gem loans
New and UsedCar Loan
Get approval before you buy with a secured car loan.
- Loan amounts from $6,000
- Loan terms from 6 months to 7 years
- Cars up to 20 years of age at the start of the loan
- Fixed rate for the life of the loan
- No early repayment fees
- Must be secured
PersonalLoan
A loan great for travelling, renovating or debt consolidation.
- Loan amounts from $2,000
- Loan terms from 6 months to 7 years
- Fixed rate for the life of the loan
- No early repayment fees
Low RatePersonal Loan
- Loan terms from 6 months to 7 years
- Fixed rate for the life of the loan
- No early repayment fees
- New loans of $20,000 or more
- Must be secured
- Excellent credit history
Why choose a Gem Loan?
Managing my loan
We're here to help. Learn more about managing your loan.
What can I use this loan for?
Important information
^Gem Loans
Rates range from 12.99% to 24.99% fixed p.a. for unsecured personal loans. Low Rate Personal Loan 9.99% fixed p.a for secured loans, minimum loan amount of $20,000 and special qualifying criteria apply. Gem Car Loan rates range from 9.99% p.a. to 19.99% fixed p.a. for secured loans. Your interest rate depends on the amount borrowed, your personal circumstances and credit history. The interest rate and repayment amount remain the same for the life of the loan with no early repayment fee.
Credit, lending criteria & fees including a $240 establishment fee apply.
Example: A Gem Personal Loan of $20,000 borrowed for 3 years with a fixed interest rate of 12.99% p.a. would equate to a total amount payable of $24,591.60 (including a $240 establishment fee).
Calculators
Results from the calculators should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. The calculator should only be used as a guide to see how loan repayments can vary when you change the loan amount, interest rate and loan term. Fees and charges are payable and the calculators do not take these into account.