A personal rate for personal plans
Do that renovation. Take that holiday. Buy that car. Apply for a loan online and get a response in 60 seconds.
Lending criteria, T&Cs, fees and other charges apply.
Get an estimate of your repayments
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.
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This calculator is provided for illustrative purposes only and does not constitute a quote or pre-qualification. The interest rate you may be offered can differ from the interest rate displayed above and will be based on your personal circumstances. The total amount paid includes the establishment fee. See all Fees for this product.
Want a 3 month payment pause?
No payments for the first 3 months
Eligible customers* can opt in to skip the first 3 month repayments with a payment pause.
Interest & fees apply
Interest and fees will still be accrued during the deferred payment period.
First payment in month 4
Your first repayment is due in month 4. You can still choose to pay earlier.
Loan term extends by 3 months
Your loan term will increase by 3 months to accommodate the payment pause.
Compare our fixed and variable loan options to find the right fit
Secured Car Loan
Use your vehicle as security for your loan
Suitable if you’ve already found your vehicle
Get the benefit of a lower rate if you're willing to secure your loan. May help reduce the overall cost of borrowing.
A fixed rate makes budgeting easier. It’s ideal if you want certainty and peace of mind. Your interest rate stays the same, no surprises, no changes.
Interest rate from
8.99
%p.a.^
to
28.99
%p.a.^
Unsecured Car Loan
No need to use your car or another asset as security
Enjoy more flexibility in your borrowing
Allows you to shop around with confidence if you haven't chosen your vehicle yet.
A fixed rate makes budgeting easier. It’s ideal if you want certainty and peace of mind. Your interest rate stays the same, no surprises, no changes.
Interest rate from
9.99
%p.a.^
to
29.99
%p.a.^
Calculator and tools
Applying for a Gem Personal Loan is simple
Ready to take the next step with a Gem loan?
Find out your personalised rate in just minutes — no impact on your credit score.
Why Gem by Latitude?
We've been helping New Zealanders and Australians manage their finances for almost a century. Trusted by 2 million customers today, we're ready to back your journey, wherever it leads.
Frequently asked questions
About my Gem Personal Loan
Application and approval
Important information
^Gem Personal Loan
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: An 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).