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Personal Loans
Repayment Calculator

Get an idea of how much your repayments could be for a Gem Personal Loan.
Get rate estimate

Get an estimate of your repayments

I'd like to borrow

$2,000

Loan term

7 years

At an interest rate of

8.99% p.a.

8.99%

Interest rate p.a.^

29.99%

Your estimated monthly repayment including establishment fee

$0 / month

Total interest paid
$0

Total amount paid
$0

Ready to get started? Get your tailored rate in just 2 minutes, with no impact to your credit score.

Get my rate estimate

Calculator Assumptions
The repayment amount shown using this calculator is an estimate only. The results from this calculator should be used as an indication only, and do not represent either a quote or pre-qualification or approval for a loan. This calculator should only be used as a guide to see how personal loan repayments can vary when you change the loan amount, interest rate, and loan term. The interest saved and time saved is an estimate only and is based on paying the extra monthly amount for the full term. Total amount paid includes the loan amount, interest and a $240 establishment fee.

Why choose a Gem Loan?

Un-complicated loans

Get an indicative Quote in 2 minutes, Apply in under 7 minutes. Once approved and you accept your contract, funds in your account in less than 24 hours.

Flexible options

At Gem, you can choose to apply for a Fixed or Variable loan, along with an option to set up monthly, fortnightly or weekly repayments.

Redraw extra funds

Get flexible access to funds when you need them, when you're ahead on repayments with a Variable Rate Personal Loan.

Want more information on our Personal Loans?

You're into detail - that's what we like!

Let's Go!

Applying for a Gem Personal Loan is simple

1. Check your rate

Get your personalised rate online in 2 minutes without impacting your credit score.

2. Apply online

Submit your ID details and proof of income. Get a response within 2 business days.

3. Accept

Accept your loan contract digitally through our customer portal.

4. Get your funds

Funds released within 24 hours of receiving your signed contract and banking details.

Check your eligibility

Calculator and tools

Personal loan repayment calculator
Budget planner
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We’re here to help

Got questions for our loan team?Call now on 0800 422 898 Mon - Fri 9:00am - 6:30pm.

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Important information

^Gem Personal Loan rates range from:
Variable Loans - 8.99% p.a. to 28.99% p.a. for Secured Loans and 9.99% p.a. to 29.99% p.a. for Unsecured loans. Loans with a variable interest rate are subject to change throughout the duration of the loan.Fixed Loans - 8.99% p.a. to 28.99% p.a. for Secured Loans and 9.99% p.a. to 29.99% p.a. for Unsecured loans.

Your interest rate depends on your personal circumstances. If you choose to pay your loan off sooner, we will not charge you an early repayment fee. Credit and lending criteria, and fees apply including a $240 establishment fee. Credit provided by Latitude Financial Services Limited.

Example: A unsecured Gem Personal Loan of $20,000 borrowed for three years with an interest rate of 15.99% p.a. (fixed for the life of the loan) would equate to a total repayment amount of $25,613 approximately (including a $240 establishment fee).