Terms and conditions

Pesonal Loan Terms and Conditions:

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).

^ Campaign Terms and Conditions:
Offer only applies to existing unsecured personal loans held with any registerd New Zealand bank. Gem will beat the existing loan's current annual interest rate by 1% p.a.
This offer is for a limited time only applications must be received by 24th March 2018.
Latitude Financial Services Limited reserves the right to withdraw this offer at their sole discretion at any time.
Excludes secured loans, revolving credit and loans tied to mortgages.
The loan balance must be transfered to us and we will pay the bank directly.
Offered rate applies to new lending only.

Applicants must provide:
Statements or transaction records for the most recent 6 months of the personal loan.
If the personal loan has been open for less than 6 months, then all statements or transaction records available.
If the personal loan has only just been drawn down then a copy of the personal loan contract.

Applicants must provide their most recent statement with at least 6 months' transaction history.
Credit, lending criteria and fees apply, including a $240 establishment fee.
Gem Personal Loans are provided by Latitude Financial Services Limited.
Latitude Financial Services Limited is not a registered bank.

* Example based on a $16,000 loan over 5 years at 12.99% fixed p.a., paying an extra $50 per month over the term of the loan.