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Top up your personal loan

Because you're already a Gem customer, It's easy to top up your personal loan.
A top up comes in handy if you're planning a wedding, upgrading your home, buying a new car or even if the unexpected pops up. A top up could help keep things moving and reach your goals.

Apply for your top up today

To apply for your loan top up we'll need to check your financial situation. This includes any changes to your income, expenses, and any exisiting debts to make sure the loan is affordable for you to meets your needs. This may mean you will get a new rate. The new rate will apply to the top up amount and be blended with your exisiting rate.

If a loan top up sounds like something you might find useful, now's the time to apply.


Fixed Rate^
Fixed Rate^

Fees & charges

Establishment Fee$240

NZ Postshop
Payment Handling Fee
$1.50 per payment

Late Payment Fee$35 if you don'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!

Other InformationInterest rates depend on your personal circumstances and are fixed for the life of the loan

Reasons to stick with Gem

Tailored to you

When it comes to a personal loan top up, 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.

Flexible options

At Gem you can choose to pay weekly, fortnightly or monthly. Plus, there's no early repayment fee so you can make extra repayments whenever you like and pay your loan off sooner.

Download and be up to date

Our Latitude App is a great way to keep track of your personal loan. It's easy to check your balance, loan terms, interest rate and more.

Let’s talk loan details

Fixed rateFor the life of the loan
Top up loan amountsFrom $1,000
RepaymentsWeekly, fortnightly, or monthly
Loan terms6 months - 7 years
No early repayment feesPay your loan off sooner, at no extra charge!
Establishment fee$240

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 permanent NZ resident, or hold a work permit/visa allowing you to reside in New Zealand
  • Be earning a stable income

Frequently asked questions

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

Important information

^Gem Personal Loan
Gem Personal Loan rates range from 8.99% to 24.99% fixed p.a. for unsecured personal loans and from 6.99% to 22.99% fixed p.a. for secured personal loans. Your interest rate depends on your personal circumstances. The interest rate and repayment amounts remain fixed for the life of the loan. And 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 8.99% p.a. (fixed for the life of the loan) would equate to a total repayment amount of $22,933.80 (including a $240 establishment fee).