Budget Planner
Get a better view of your finances with our easy to use budget planner.
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.
Call us
Call our team
Mon - Fri: 9:00am - 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 Loan
Gem Personal Loan rates range from:
Variable Loans - 8.99% p.a. to 28.99% p.a. for Secured Loans and 9.99% p.a. to 29.99% p.a. for Unsecured loans. Loans with a variable interest rate are subject to change throughout the duration of the loan.
Fixed Loans - 8.99% p.a. to 28.99% p.a. for Secured Loans and 9.99% p.a. to 29.99% p.a. for Unsecured loans.
Your interest rate depends on your personal circumstances. 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 15.99% p.a. (fixed for the life of the loan) would equate to a total repayment amount of $25,613 approximately (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.