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
- To apply, you must be:
- 18 years or over
- a permanent resident of NZ
- earning a stable income
- 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
How to apply
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.
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.
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.