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Debt consolidation loans

Take the hassle out of juggling all those hire purchase, loan and credit card payments. Roll all your debts into one easy-to-manage payment with a Gem Debt Consolidation Loan.

Personal loan interest rates

Rates from

12.99 % pa*
29.99 % pa*
  • Eligibility
  • You must:
  • be 18 years or over
  • be a permanent New Zealand resident
  • Earning a stable income
  • About the loan
  • Loan amounts from $2,000
  • Loan terms from 6 months - 7 years
  • Secured and unsecured loans
  • Fixed rate for the life of the loan
  • Weekly, fortnightly or monthly repayments
  • Establishment Fee - $240
  • Other fees & charges you may incur
  • PostShop payment handling fee - $1.50
  • Late payment fee - $35 in the event that you can't make the minimum repayment by your agreed due date
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*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 whole loan with no early repayment fee. You can make lump sum repayments at any time with no penalty.

Conditions, credit and lending criteria apply.

Example: A Gem Personal Loan of $15,000 borrowed for 3 years with a minimum interest rate of 12.99% p.a. would equate to a total amount payable of $18,516.60 (including a $240 establishment fee).

Personal loan calculator

Calculate your personal loan repayments.

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Budget planner

Work out how much you can afford to repay with our budget planner.

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Got a car in mind?

Calculate your car loan repayments.

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So, why choose Gem?

It’s what we do

We are specialists in personal finance, it is what we do. So whatever stage you are at in your life, whatever your finance needs, we could have a solution for you. Think smart, think Gem.

We empower

We can see your potential. We understand your needs. And we can help enable you to realise these, so you can get on with enjoying life.

The brilliant alternative to a bank

As personal finance specialists we aim to make the process of dealing with us as easy as possible. Apply online whenever it suits you, or talk your application through with a specialist over the phone.

We’re tried and trusted

Already, 1 in 8 Kiwis trust us to provide their personal finance, so we could have a personal loan or credit card product that’s right for you too.

Cover yourself with Repayment Protection Insurance

You never know what’s going to happen further down the track, so it’s smart to take out insurance to guard yourself against the unexpected.