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Loan Top -Up

Plans evolve, so can your loan

A Gem Personal Loan Top -Up lets you access extra money without taking out a new loan.

Log in to Top-up

Approved customers only. Lending criteria, T&Cs, fees and other charges apply.

What is a Personal Loan Top-up?

How it works

A Top-up lets you borrow additional funds on top of your existing loan so you can keep things simple and easy to manage.

Who can apply

Top-ups are available to eligible Gem Personal Loan customers. Log in to the portal to see if you are eligible.

When to use it

Whether it’s for something planned or something unexpected, a Top-up is a fast and easy way to access additional funds.

Applying for a Personal Loan is simple

1. Check your eligibility

We'll run a quick check based on your current loan and profile to see if you're eligible.

2. Update your personal details

Confirm your personal and financial details are up to date so we can tailor your contract.

3. Confirm your updated loan details

We’ll confirm your new loan amount and interest rate, which may differ from your current rate.

4. Accept your loan contract

Review your new loan terms and conditions and accept the contract to finalise your Top-up.

Check your eligibility

Frequently asked questions

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).