Fees & charges
Payment Handling Fee
|Late Payment Fee||$35 in the event that you can't make the minimum repayment by your agreed due date|
|Early Repayment Fee||No early repayment fee, so you can pay your loan off sooner at no extra charge!|
Calculate your repayments
Interest rate p.a.^
Your estimated monthly repayment including establishment fee
Total interest paid
Total amount paid
0 mths, 0 yrs
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The repayment amount shown using this calculator is an estimate only. The results from this calculator should be used as an indication only, and they 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.
Why choose a Gem Loan?
Know where you stand, with an interest rate that's fixed for the life of your loan.
Choose a repayment schedule that suits you - weekly, fortnightly or monthly.
Pay it faster and save
Save on interest by paying off more each month with our 'Pay It Faster' option.
No early repayment fees
We don't charge early repayment fees, so you can pay off your balance whenever you like.
Let’s talk secured car loan details
|Fixed rate||For the life of the loan|
|Loan amounts||From $6,000|
|Car age||Cars up to 20 years of age at start of loan|
|Repayments||Weekly, fortnightly, monthly|
|Loan terms||6 months - 7 years|
|No early repayment fees||Pay your loan off sooner, at no extra charge!|
|Peace of mind||For added peace of mind, our optional Repayment Protection Insurance is available for when you need it most|
|Looking for something else?||Don’t want your loan secured against your car, or your car doesn’t meet the criteria? Check out our personal loans.|
Frequently asked questions
About my Gem Car Loan
Application and approval
Fees, charges and interest
^Your interest rate depends on the amount borrowed, your personal circumstances and credit history. The interest rate and repayment amount remain the same for the life of the loan with no early repayment fee.
Credit and lending criteria, and fees apply including a $240 establishment fee.
Example: A Gem Secured Car Loan of $20,000 borrowed for 3 years with a fixed interest rate of 9.99% p.a. would equate to a total amount payable of $23,550.12 (including a $240 establishment fee).