Need some inspiration for your home renovation?

Give your reno a wow factor with loans from 12.99% fixed p.a.* Plus free styling advice+ and a 10% discount off a purchase of $500 or more from Freedom.^

Home renovation loans

Whether you’re just adding a bit of sparkle to your kitchen, or you’re looking to get your hands dirty with a total home remodel, we’re here to help you get it done with a home renovation loan from Gem.

Apply between April 1 and 31 July 2018 for a Gem Personal Loan to cover your home renovation, once approved, you'll be offered a free interior decorator service from Freedom which includes two consultations.+ Plus, you'll be eligible for 10% off your next purchase of $500 or more at Freedom.^

Personal loan interest rates

From 12.99% to 29.99% fixed p.a.*
Download Terms & Conditions
  • 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
  • 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
  • Optional Repayment Protection Insurance
  • 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
Apply now

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, 8am - 7 pm
Weekends, 8:30am - 5pm (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.

Conditions, credit and lending criteria apply.

Example: A Gem Personal Loan of $16,000 borrowed for 3 years with a fixed interest rate of 12.99% p.a. would equate to a total amount payable of $19,731.60 (including a $240 establishment fee).

+ Book your obligation-free Freedom Decorator Service appointment by emailing the Freedom contact Gem supply to you before 30 September 2018, and Freedom will waive its $100 consultation fee. Offer not redeemable for cash. ^Email the Freedom contact Gem supply to you to claim your 10% discount. Discount expires 31 October 2018. Discount cannot be used on already discounted items, in Freedom outlet stores or in conjunction with any other offer including Gem Visa long-term interest-free deals.

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.

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.