Chasmont has been financing the people of the South with personal loans for everything from holidays to debt consolidation or just because.

If you’re looking for finance and meet our lending criteria you could be fulfilling your dreams or ambitions on the same day. Chasmont offers a range of flexible finance options from $500 to $25,000. Our variable personal loans are structured to meet your needs with normal terms available up-to 5 years.

Whether it is for a holiday, unexpected bills or household renovations or just to treat yourself, contact us to see if we can help.

Secured Personal Loan

Chasmont offer a range of highly competitive flexible secured personal loans up to $25,000 over 5 years.  We can secure against vehicles, household chattels or property. Contact us if you wish to discuss what might be suitable.

Our rates for personal finance start from just 13.95%* for a secured loan.

  • $5,000.00 secured loan from just $45.00 weekly over 3 years.
  • $10,000.00 secured loan from just $83.50 weekly over 3 years.

Please contact us on 0800 242 766 to discuss what rate we can offer to you.


Unsecured Personal Loan

We now offer unsecured personal loans up to $4000.00*.  Unsecured loans are subject to more scrutiny than secured loans.

 Our minimum criteria:

  • Employed full time in a stable job for over 6 months.
  • Home owner or in a long term lease.
  • No credit or other financial issues.
  • Sufficient unused available income.
 *  Payment protection insurance is sometimes required to ensure low interest rates. Unsecured personal loan interest rates may be higher than secured personal loans, contact us for more information.

Debt Consolidation Options

Have you overspent?  Do you have debt to multiple organisations?  Then why not look at consolidating your debt with Chasmont.

Benefits for using Chasmont's debt consolidation options:

Just one payment to one company.

Usually cheaper overall rate saving you interest and costs.

Payments on the dates you want.

Repayments are usually lower than what you are paying now making day to day living easier.

Cut your stress and contact us, it costs nothing to apply so why not see what we can do for you!

Mortgage Options

Chasmont can now offer a competitive fast first and second mortgage option. Need a new bathroom, roof or even a 'once in a lifetime' holiday then why not talk to us about what we can offer you.

Benefits for using Chasmont's Mortgage Option:

Fast.

Competitive rates.

We lend up to $25,000.00 on first mortgages and $15,000.00 on second mortgages.
It costs nothing to apply so why not see what we can do for you!

Early Repayment

We never charge early repayment penalties as we think it is unfair to penalise good payers!  Whether you choose to pay extra each payment or pay a lump sum you will save on interest and costs.


Payment Protection Insurance

Chasmont has negotiated its own unique Payment Protection Insurance (PPI).

Our Cover:

  • Full Cover for people in full time employment (over 20 hrs per week)
    • 12 Months Redundancy Cover up to $10,000.
    • Injury and Illness cover after 1 week off work backdated to day one.
    • Life and Terminal Illness.
  • Life Cover

Pre-existing Conditions:

  • Cover from day one if you have not sought treatment or medical advice in the 6 months prior to the loan date.

For the full terms and conditions and cover details please contact us.

*Rates, Approval and Lending Limits Apply, Payment Protection Insurance may be required for approval for lowest rates.  This page applies to from Dunedin including Balclutha to Palmerston only.

Terms, Rates & Costs

Interest Rates
Standard Range: 13.95-19.95%

Extablishment/Booking Fee
Loans up to $1000.00: $200.00
Loans over $1000.00: $240.00
Dealer/Broker Fee: $120.00
Security Search and Registration Fee: $15.00

Monthly Account Software and Statement Charge
Statement and Monthly Account Fee: $3.50

Refinance and Withdrawal Fees
Refinance/Restructure Fee: $200.00-$240.00
Withdrawal Fees (if you intend to withdrawal multiple time choose a flex account) $150.00

Default Interest Rate
Default interest is charged at 10% over the standard rate

Letter and General Account Fees – All Accounts
Reminder Letter $5.00
Payment Amendment $10.00
Payment Default Letter $15.00
Account in Default Letter $15.00
Security Amendment Documentation Fee $30.00
Repossession Warning Notice $30.00
Repossession Warrant $90.00
Collections Text Message $0.50
Collections Email Message $2.50
Chattel Check Cost $45.00