Personal loan details
|Fixed rate||For the life of the loan|
|Loan amounts||From $2,000|
|Repayments||Weekly, fortnightly or monthly|
|Loan terms||6 months - 7 years|
|No early repayment fees||Pay your loan off sooner, at no extra charge!|
|Peace of mind||For added peace of mind, our optional Repayment Protection Insurance is available for when you need it most|
Calculate your repayments
Use our handy personal loan calculator to determine what your repayments may be.
Fees & charges
Payment Handling Fee
|Late Payment Fee||$35 in the event that you can't make the minimum repayment by your agreed due date|
|Early Termination Fee||No early repayment fee, so you can pay your loan off sooner at no extra charge!|
- Be 18 years or over
- Be a NZ resident
- Be earning a stable income
Frequently Asked Questions
About my Gem Personal Loan
The Application and Approval Process
What about fees, charges and interest on my Gem Personal Loan?
*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.
Conditions, credit and lending criteria 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).