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
- You must:
- be 18 years or over
- be a permanent New Zealand resident
- Earning a stable income
- Optional Repayment Protection Insurance
- Make extra repayments at any time with no penalty
- No early termination fee
- 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
*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).
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 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.