$240 establishment fee.
$0 early termination fee.
$20,000 minimum new loan amount.
6 month to 7 year loan terms.
Pay off your loan weekly, fortnightly or monthly - whatever works for you.
Always know where you stand with an interest rate that's fixed for the life of your loan.
You could save up to $1,000 in interest just by paying an extra $50 each month.*
Conditions, credit and lending criteria apply.
*Pay it Faster example based on a $20,000 loan over five years at 12.99% fixed p.a. by paying an additional $50 per month over the term of the loan.
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).
Outside of this offer, Gem’s standard Personal Loan interest rates range from 12.99% to 29.99% fixed p.a. The 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.