The faster you repay, the better

At Gem, we give you the flexibility to repay your loan as quickly as possible - so you can save on interest. Ask about our Pay it Faster & Save option.

Finally, a personal loan with your best interests at heart

You could save up to $1000 
on interest just by paying an 
extra $50 each month.^

Clear your loan quickly so you can get on with enjoying whatever 'better' means for you.

Make extra payments on 
your terms - whenever and however you like.

^Savings based on a $16,000 loan over 5 years at 12.99% fixed p.a.

Let's get the ball rolling

Applying for a latitude loan online via laptop

New to Gem?

Our friendly team is on-hand
 and ready to help you get started. Apply online >

Latitude Financial representative

Already have a personal loan with us?

You can pay faster too. Simply give 
us a call on 0800 422 898 to find out more. Call us >

Latitude Financial representative

Got a question?

See if we've answered it with 
our list of FAQs. Find out more >

Everything you need to know

Applying for a latitude loan online via laptop
fixed rate from
12.99 % p.a.*
To
29.99 % p.a.*
Gem Personal Loan
  • To appy, you must be:
  • 18 years or over
  • a permanent resident of NZ
  • earning a stable income
  • You also need to know that:
  • loan amounts start at $2,000
  • loan terms range from 6 months to 7 years
  • your rate is fixed for the life of the loan
  • you can repay weekly, fortnightly or monthly
  • We'll never charge you for making extra payments
  • Optional Repayment Protection Insurance

  • Thinking of buying a jet ski, motorbike or your vehicle doesn't meet the car loan criteria? Consider a personal loan instead.
  • Important Information
  • There's an establishment fee of $240
  • PostShop payment handling fee - $1.50
  • Late payment fee - $35 in the event that you can't make the minimum repayment by your agreed due date
  • No early termination fee
Secured from
12.99 % p.a.*
To
18.99 % p.a.*
Gem Car Loan
  • To appy, you must be:
  • 18 years or over
  • a permanent resident of NZ
  • earning a stable income
  • You also need to know that:
  • secured car loan amounts start at $6,000
  • loan terms range from 6 months to 7 years
  • your rate is fixed for the life of the loan
  • you can repay weekly, fortnightly or monthly
  • We'll never charge you for making extra payments
  • Loans for private sale available for car
  • Optional Repayment Protection Insurance

  • Thinking of buying a jet ski, motorbike or your vehicle doesn't meet the car loan criteria? Consider a personal loan instead.
  • Important Information
  • There's an establishment fee of $240
  • PostShop payment handling fee - $1.50
  • Late payment fee - $35 in the event that you can't make the minimum repayment by your agreed due date
  • No early termination fee

Your questions answered

Would I be locked into paying more each month?
Absolutely not. You can revert to your minimum repayment at any time.

What if I only want to pay extra occasionally?
At Gem, we offer a range of flexible payment options. So, if you'd like to pick and choose when you pay extra, you can do so - just give us a call on 0800 422 898 
to find out more.

What if I repay my loan super fast?
That's ok too, as we don't charge any early repayment fees.

Terms and conditions