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Gem Loans

With Gem’s everyday Great Rates you can work a personal loan to your advantage. Plus, you can pay your loan off faster to save on interest, with no early repayment fees. Check your rate in just 3 minutes online – why not do it right now?

*Rates tailored to you from 8.99% to 22.99% p.a. fixed for loan term. Credit and lending criteria, and fees apply including a $240 establishment fee.

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Our Gem loans

Personal Loan

Renovating? Consolidating debts? Getting married or taking a trip? Whatever you need, let's do it with a Gem Personal Loan.

secured
Fixed Rate^
6.99
%
p.a.
^
to
18.99
%
p.a.
^
unsecured
Fixed Rate^
8.99
%
p.a.
^
to
22.99
%
p.a.
^
  • 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
  • Save on interest with our Pay it Faster option
  • Establishment fee of $240 applies
  • Your interest rate depends on your personal circumstances

New and Used Car Loan

Let's help you hit the road faster. With Gem you can get approval before you buy.

secured
Fixed Rate^
6.99
%
p.a.
^
to
18.99
%
p.a.
^
unsecured
Fixed Rate^
8.99
%
p.a.
^
to
22.99
%
p.a.
^
  • 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
  • Save on interest with our Pay it Faster option
  • Establishment fee of $240 applies
  • Your interest rate depends on your personal circumstances
  • Cars up to 20 years of age at the start of the loan (secured loans only)
pay it faster and save interest

Pay it faster and
save on interest

At Gem, we give you the flexibility to repay your loan as soon as possible - so you can save on interest.

Why choose a Gem loan?

A rate tailored for you

We'll tailor a loan to suit your needs, whether that's sprucing up your home, planning your next holiday or upgrading your car.

Loans made simple

Choose from weekly, fortnightly or monthly repayments, plus make extra payments whenever you like, saving you interest.

Stay in control

We give you fixed rates for the life of your loan, so you'll always know where you stand. Now that's better.

Managing my loan

We're here to help. Learn more about managing your loan.

What can I use this loan for?

Car purchase

Better comfort, better kerb appeal. Get yourself into gear with a car loan today.

Important information

^Gem Personal Loan
Gem Personal Loan rates range from 8.99% to 22.99% fixed p.a. for unsecured personal loans and from 6.99% to 18.99% fixed p.a. for secured personal loans. Your interest rate depends on your personal circumstances. The interest rate and repayment amounts remain fixed for the life of the loan. And if you choose to pay your loan off sooner, we will not charge you an early repayment fee. Credit and lending criteria, and fees apply including a $240 establishment fee. Credit provided by Latitude Financial Services Limited.

Example: An unsecured Gem Personal Loan of $20,000 borrowed for three years with an interest rate of 8.99% p.a. (fixed for the life of the loan) would equate to a total repayment amount of $22,933.80 (including a $240 establishment fee).

Calculators
The repayment amount shown using this calculator is an estimate only. The results from this calculator should be used as an indication only, and do not represent either a quote or pre-qualification or approval for a loan. This calculator should only be used as a guide to see how personal loan repayments can vary when you change the loan amount, interest rate, and loan term. The interest saved and time saved is an estimate only and is based on paying the extra monthly amount for the full term. Total amount paid includes the loan amount, interest and a $240 establishment fee.