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Budget Planner

Take control of your finances with our easy budget planner – let's get right to it!

Budget Planner

Use our handy planner to work out where you’re spending, so you can save for what you really want!

Begin entering different expense types above to automatically populate your personal budget summary

How to apply

Apply online

Check your interest rate before applying for a Personal Loan or Car Loan today.

Get my Personal Loan rateGet my Car Loan rate
Call us

Call our team
Mon - Fri: 8:30am - 6:30pm (NZST)

0800 422 898 for Personal Loans0800 422 898 for Car Loans

Calculators and tools

Personal loan
repayment calculator

What will my repayments be?

Car loan
repayment calculator

Eager to test drive but need to know your limits? Before zooming around town, work out what your repayments might be

Important information

Gem Personal Loan
Gem Personal Loan rates range from 10.99% to 25.99% fixed p.a. for unsecured personal loans and from 8.99% to 24.99% 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 10.99% p.a. (fixed for the life of the loan) would equate to a total repayment amount of $23,895 (including a $240 establishment fee).

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.

Gem Visa and CreditLine
Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees $52 Gem Visa (charged $26 half-yearly) / $55 Gem CreditLine (charged $27.50 half-yearly) Prevailing interest rate (currently Gem Visa 26.99% p.a / Gem CreditLine 29.95% p.a) applies to any remaining balance on the expiry of the interest free term. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. Credit provided by Latitude Financial Services Limited.

Approved customers only. Available for purchases between $20 and $1,000 at participating stores, subject to approved account limit. Terms and conditions and late fees apply. Genoapay is provided by Latitude Innovation Holdings Limited.