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.
Get my rate estimateCalculator Assumptions
The repayment amount shown using this calculator is an estimate only. The results from this calculator should be used as an indication only, and do not represent either a quote or pre-qualification or approval for a loan. This calculator should only be used as a guide to see how personal loan repayments can vary when you change the loan amount, interest rate, and loan term. The interest saved and time saved is an estimate only and is based on paying the extra monthly amount for the full term. Total amount paid includes the loan amount, interest and a $240 establishment fee.
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
Fixed Loan Best for stability | Variable Loan Best for flexibility |
Secured interest rate from 8.99 %p.a.^ to 28.99 %p.a.^ Unsecured interest rate from 9.99 %p.a.^ to 29.99 %p.a.^ | Secured interest rate from 8.99 %p.a.^ to 28.99 %p.a.^ Unsecured interest rate from 9.99 %p.a.^ to 29.99 %p.a.^ |
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Why choose a fixed rate? 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. | Why choose a variable rate? A variable rate offers flexibility. Ideal if you want to pay off your loan early with fewer restrictions. |
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).