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Plenti Personal Loans

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Complete a fast, simple application process and receive a competitive personalised rate on a consumer personal loan from Plenti.

Plenti is a provider of consumer loans dedicated to providing competitive tailored rates based on the loan term, the borrower's credit score, and their personal details.

This means that the better your credit rating, the lower the rate that you could be offered. You can also receive a rate estimate before you even apply.

Plenti offers both secured and unsecured personal loans that can be used for any legitimate purpose. Find out what you need to know to decide if a Plenti personal loan is right for you in the review below.

From 6.49% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount


Product NamePlenti Fixed Rate Personal Loan
Interest Rate (p.a.)
From 6.49% (fixed)
Comparison Rate (p.a.)6.84%
Interest Rate TypeFixed
Min Loan Amount$2,001
Max. Loan Amount$45,000
Loan SecurityUnsecured

Main points to consider with a personal loan from Plenti

Personal loans from Plenti are funded by individuals or investors, rather than a bank. For this reason, Plenti is able to tailor interest rates to borrowers based on the amount they apply for, the loan term and the details provided in their application. Fees for Plenti's personal loans also vary depending on the loan term and loan amount.

You can apply for up to $45,000 and loan terms of up to 5 years are available.

Features of a Plenti personal loan

Personal loans from Plenti include a range of features. These are:

  • Loan amount. Borrow from $2,001 to $45,000.
  • Interest rate type. Variable or fixed rate options are available.
  • Loan term. Fixed rate loans have terms from 3 to 5 years, whereas variable rate loans have terms from 1 to 2 years.
  • Unsecured and secured options. Depending on your circumstances and preferences, you can opt for either a secured or an unsecured personal loan.
  • Rate estimate. Secure a rate estimate before you submit a full application, without affecting your credit score.
  • Range of loan purposes. Whether you want to take a trip away, pay for a wedding or renovate your home, a personal loan from Plenti could help.
  • Penalty-free extra repayments. Making additional repayments or repaying your loan early can save you money over the life of the loan. And Plenti will never charge you for doing so.
  • Fast turnaround. Get your rate estimate in as little as 3 minutes, find out if you're approved within 1 business day, and expect funds in your account 1 business day after accepting your loan contract.
  • Online account management. To manage your account you can simply log in to your Plenti account online.

Fees and charges

  • Interest rate. From 6.49% p.a.
  • Comparison rate. From 6.84% p.a.
  • Application fee. From $149 to $599 for both fixed and variable rate loans.

How to apply

If you think you'd like to apply for a Plenti personal loan, simply click "Go to site" to go to the lender's site directly and submit an application. Be aware that you'll need to meet the following eligibility criteria before you apply:

  • An Australian citizen or permanent resident
  • Aged 21 or over
  • Have a regular source of income
  • Have a good credit history
  • Get your personal, financial and employment details to hand

Remember that while Plenti offers competitive rate financing, it's still a good idea to compare your options, prior to submitting an application.

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

Logo for Pepper Money Unsecured Fixed Rate Personal Loan
Pepper Money Unsecured Fixed Rate Personal Loan

You'll receive a fixed rate between 6.95% p.a. and 17.95% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Make additional repayments or pay off the loan early, penalty-free.

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