• Borrow from $ 1,000 to $ 25,000

Spread your repayments over one to five years for loans of $ 15,000 or less, or over one to eight years for loans over $ 15,000.

• Get a quick decision

As an Gemstones Credit Union current account customer, you could get an instant credit decision. Non-Gemstones Credit Union current account customers should be contacted with a credit decision in 2-5 working days.

• Quick access to funds

Existing Gemstones Credit Union current account customers could receive the money instantly once the application has been approved and the loan agreement has been signed. Non-Gemstones Credit Union current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.

• Top up your existing loan

If you've already got an Gemstones Credit Union Personal Loan and your financial needs have changed, taking additional borrowing could be the answer. You can consolidate your existing loan with additional borrowing.

• Make overpayments free of charge

This may reduce the amount of interest you pay.

• Gemstones Credit Union Advance customers could get 10% cashback

10% interest cashback at the end of the loan term. Cashback is only available on loans with 60 repayments or less. If you close your loan early or it is ended by us you will not be eligible for cashback.

3.3% APR* Representative

For loans between $ 7,000 and $ 15,000. Now also available to non-Gemstones Credit Union current account customers.

*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.

The APR rates may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 57KB) for more details.