Gem Personal Loans

A Gem Personal Loan could help you turn your reno into a reality, a staycation into a vacation, or an engagement into a big white wedding.

^Here's what you need to know

  • This offer is for a limited time only, applications must be received by 29th March 2019
  • Offered rate applies to new lending of $20,000 or more excluding any fees and/or insurance costs
  • Existing Gem Personal Loan customers will get 12.99% fixed per annum on any new borrowing of $20,000 or more during the campaign period. Existing borrowing remains at its current rate.
  • Latitude Financial Services Limited reserves the right to change or withdraw the offer at their sole discretion at any time
  • Credit, lending criteria, terms and conditions and fees apply, including a $240 establishment fee
  • Gem Loans are provided by Latitude Financial Services Limited

The nitty gritty

$240 establishment fee.

$0 early termination fee.

$20,000 minimum new loan amount.

6 month to 7 year loan terms.

Eligibility criteria
  • 18 years or over.
  • a permanent resident of NZ.
  • earning a stable income.
  • credit, lending criteria, terms and conditions apply.

More information

  • 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

Better interest rates are just the beginning

Payment Flexibility

Pay off your loan weekly, fortnightly or monthly - whatever works for you.

Full Control

Always know where you stand with an interest rate that's fixed for the life of your loan.

Pay it Faster

You could save up to $1,000 in interest just by paying an extra $50 each month.*

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

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.