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Travel Loan

Discover where a travel loan from Gem could take you.

Check your rate

We’ll ask you a few quick questions about your circumstances to give you a personalised interest rate and repayment amount.

$
Get started
This won't affect your Credit Score

Rates

secured
Fixed Rate
6.99
%
p.a.
^
to
18.99
%
p.a.
^
unsecured
Fixed Rate
8.99
%
p.a.
^
to
22.99
%
p.a.
^

Fees & charges


Establishment Fee$240

NZ Postshop
Payment Handling Fee
$1.50 per payment

Late Payment Fee$35 if 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!

Personal loan
repayment calculator

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.

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
Loan amountsFrom $2,000
RepaymentsWeekly, fortnightly, 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 should be in your account

Eligibility

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

Important information

^Rates range from 8.99% to 22.99% fixed p.a. for unsecured personal loans and from 6.99% to 18.99% fixed p.a. for secured personal loans. Your interest rate depends on 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: An unsecured Gem Personal Loan of $20,000 borrowed for three years with an interest rate of 8.99% fixed p.a. would equate to a total repayment amount of $22,933.80 (including a $240 establishment fee).