Personal Loans

At Gem we make our personal loans, personal. Our loans are tailored to you so if you've got a good credit rating, we'll reflect that in your interest rate. Sound good?

Limited time 12.99% fixed p.a. Personal Loan offer

Let's move it from 'to do' to 'done' with this great rate on all new personal loans $20k or more. Offer ends 27/03/20.


Fixed Rate

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

Calculate your repayments

Let's help you take control and find a better way to manage your finances.

Calculate repayments

Why choose a Gem loan?

Tailored to you

When it comes to a personal loan, we work out your loan rate by looking at things like your credit history, how much you want to borrow and your current needs, then tailoring it to you.

Let’s talk 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

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 should be in your account


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

Frequently asked questions

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

Important information

^Rates range from 12.99% to 24.99% fixed p.a. for unsecured loans. Low Rate Personal Loan 9.99% fixed p.a for secured loans, minimum loan amount of $20,000 and special qualifying criteria apply. Gem Car Loan rates range from 9.99% p.a. to 19.99% fixed p.a. for secured loans. 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 and 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).