Personal loans

If you’ve got a great credit rating, we could offer you a good interest rate on your Gem Personal Loan.

Get 12.99% fixed p.a.

Special offer for new personal loans of $20,000 or more.
Offer ends 29/11/19.


fixed p.a.
fixed p.a.
Rates range from 12.99% - 29.99% fixed p.a. depending on your personal circumstances

Fees & charges

Establishment Fee$240

NZ Postshop
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 FeeNo early repayment fee, so you can pay your loan off sooner at no extra charge!

Calculate your repayments

Use our handy personal loan calculator to determine what your repayments may be.

Personal loan details

Fixed rateFor the life of the loan
Loan amountsFrom $2,000

RepaymentsWeekly, fortnightly or monthly

Loan terms6 months - 7 years

No early repayment feesPay your loan off sooner, at no extra charge!

Peace of mindFor added peace of mind, our optional Repayment Protection Insurance is available for when you need it most

Pay It Faster

Want to save on your interest? No problem — you can pay extra when you want to get ahead of the game.

How to apply

  1. Check your eligibility and complete your application
  2. Provide any required documents such as payslips and identification
  3. Securely accept your contract online
  4. Within 24 hours of your contract acceptance the money will be in your account


You must:
  • Be 18 years or over
  • Be a NZ resident
  • Be earning a stable income

Frequently Asked Questions

About my Gem Personal Loan
Application and approval
Fees, charges and interest

Important information

*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.

Credit, lending criteria and fees apply, including a $240 establishment fee.

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).