|Gem Personal Loan: Gem Personal Loan 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. 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).
||Gem Visa/ Gem CreditLine: Credit and lending criteria and fees apply, including a Gem Visa
$55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine). Prevailing interest rate
(currently Gem Visa 25.99% p.a./Gem CreditLine 29.95% p.a.) applies to any remaining balance on the
expiry of the interest free term. Paying only the minimum monthly repayment of 3% of the outstanding
monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s)
within the promotional period. Amount payable will be shown on your monthly statement. Long term
interest free offers may vary. Available at participating retailers to approved customers only.
Conditions, fees and charges apply. Credit provided by Latitude Financial Services Limited.