Personal Loan
Repayment Calculator

Let’s see how much your repayments could be with a Gem Personal Loan.

Calculate your repayments

$

Interest rate p.a.^

9.99%

to

24.99%

Your estimated monthly repayment including establishment fee

$0

Total interest paid

$0

Total amount paid

$0

Interest saved

$0

Time saved

0 mths, 0 yrs
0 months, 0 years

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 they 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.

Want more information on our Personal Loans?

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How to apply

  1. Check your eligibility and complete your application
  2. Provide any required documents such as payslips and identification
  3. Securely accept your loan contract online
  4. Within 24 hours of your contract acceptance the money should be in your account
  1. Check your eligibility and complete your application
  2. Provide any required documents such as payslips and identification
  3. Securely accept your loan contract online
  4. Within 24 hours of your contract acceptance the money should be in your account

Calculators and tools

Budget
planner

By setting a budget you'll have a better understanding of how much you can borrow.

Car loan
repayment calculator

Use this loan calculator to work out your approximate repayments before you apply for a car loan.

We're here to help

Call our loan specialists on 0800 422 898

Mon to Fri 8am - 7pm, Weekends 8:30am - 5:30pm.

Important information

^Gem Loans
Gem Personal Loan rates range from 12.99% to 24.99% fixed p.a. for unsecured personal loans. Low Rate Personal Loan 9.99% fixed p.a for secured loans, minimum loan amount of $20,000 and special qualifying criteria apply. Gem Car Loan rates range from 9.99% p.a. to 19.99% fixed p.a. for secured loans. 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.

Credit, lending criteria & fees including a $240 establishment fee 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).

Calculators
Results from the calculators should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. The calculator should only be used as a guide to see how loan repayments can vary when you change the loan amount, interest rate and loan term.