Let's talk loan details
|Loan amounts||From $2,000|
|Repayments||Weekly, fortnightly, monthly|
|Loan terms||1 - 7 years|
|No early repayment fees||Pay your loan off sooner, at no extra charge!|
|Other Information||Loans with a variable interest rate are subject to change throughout the duration of the loan|
Fees & charges
|Late Payment Fee||$35 if you don't make the minimum repayment by your agreed due date|
|Early Repayment Fee||No early repayment fee, so you can pay your loan off sooner at no extra charge!|
|PPSR Registration Fee||$14|
|PPSR Search Fee||$2|
|Other Information||Interest rates depend on your personal circumstances|
What will my repayments be?Let's calculate
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.
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.
How to apply
- Check your interest rate online in 2 minutes without impacting your credit score
- Apply online and receive a response in 60 seconds
- Provide required documents, such as banking statements and identification documents
- Accept your loan contract digitally
- Obtain funds within 24 hours of us receiving your online acceptance
- 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 Travel Loan
Application and approval
Fees, charges and interest
^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).