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 Personal Loan interest rate before applying or apply for a Car Loan today.
Call us
Call our team
Mon - Fri: 8:30am - 6:30pm (NZST)
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 Loans
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 and credit history. The interest rate and repayment amount remain the same 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.
Example: An unsecured Gem Personal Loan of $20,000 borrowed for three years with an interest rate of 8.99% fixed p.a. would equate to a total repayment amount of $22,933.80 (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.
Gem Visa
^Gem Visa credit and lending criteria, $55 establishment fee and $52 annual account fee apply. Prevailing interest rate (currently 25.99% fixed p.a) applies after the interest free period ends. Gem Visa is provided by Latitude Financial Services Limited.
Genoapay
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.