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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. Manage your online account with confidence knowing you're protected with enhanced security and VeriSign.

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