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Just one easy to manage payment

That’s better. Streamline your debts into one easy-to-manage payment with a debt consolidation loan from Gem, leaving you feeling more in control.

Debt consolidation loans

It’s time to stop juggling all those hire purchases, loan, and credit card repayments and roll your debts into one easy-to-manage payment with a Gem Debt Consolidation Loan. Plus, Gem won’t charge you any early repayment fees if you choose to pay it off sooner. What could be better than that?

Personal loan interest rates

From 12.99% to 24.99% fixed p.a.*
  • To apply, you must be:
  • 18 years or over
  • a permanent resident of NZ
  • earning a stable income
  • You also need to know that:
  • loan amounts start at $2,000
  • loan terms range from 6 months to 7 years
  • we offer both secured and unsecured options
  • your rate is fixed for the life of the loan
  • you can repay weekly, fortnightly or monthly
  • we’ll never charge you for making extra payments
  • Important Information
  • There’s an establishment fee of $240
  • 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
  • No early termination fee
Download Terms & Conditions
Get my rate

How to apply

Applying for a Gem Finance loan online via laptop

Apply online

Get started

Gem Finance Financial representative


Our team is on-hand and ready to help you from
Mon - Fri, 8:30am - 6:30pm (NZST)
Call us on 0800 422 898

Terms and conditions

*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. You can also make lump sum repayments at any time with no penalty.

Conditions, credit and lending criteria apply.

Example: A Gem Personal Loan of $20,000 borrowed for 3 years with a fixed interest rate of 12.99% p.a. would equate to a total amount payable of $24,591.60 (including a $240 establishment fee).

Personal loan calculator

Calculate your personal loan repayments.

Find out more

Budget planner

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

Find out more

Got a car in mind?

Calculate your car loan repayments.

Find out more

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.
Gem products are provided by Latitude Financial Services Limited, who are not a registered bank

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.