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Gem Personal Loan application

Who can apply?

You must be:

  • 18 years or over
  • a permanent resident of NZ
  • earning a stable income

Credit & lending criteria, terms and conditions apply.

How the process works
  1. Apply in less than 10 minutes and receive an initial response in 60 seconds.
  2. We’ll call to let you know if you have been approved, or if we need any further documentation. This may take 1–2 business days.
  3. Accept your contract online. You’ll get your funds within 24 – 48 hours.
What will you need?

Income documents

You may be asked to provide one or more of the following:

  • Payslip
  • Bank statement
  • Individual tax return
  • Current rental agreement

ID verification

If you are new to Gem, we will also need to verify your identity.

You may be asked to provide one or more documents that verify your:

  • Current name
  • Date of birth
  • Current address

Some of the documents that could be used include:

  • Current New Zealand drivers license / learners permit
  • New Zealand passport
  • Firearms license

Need help? Call us

Mon to Fri: 8:30am - 6:30pm (NZST)

Weekends: Closed