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Plenti Personal Loans

With Plenti Personal Loan and Excellent Credit, you can borrow up to $50,000, with interest rates starting from 6.89% p.a. Application fees may apply.

Plenti provides loans for responsible borrowers with competitive, tailored interest rates. Your interest rate will be determined by your loan term and credit score. This means that the better your credit rating, the lower your interest rate.
You can also receive a rate estimate before you apply. Turnarounds are fast and loan terms depend on whether you opt for a fixed or variable rate. For fixed, your loan term will be 3 to 7 years, while variable rates have shorter terms of 1 to 3 years. Apart from the interest and comparison rate, you should also watch out for the application fee, which can range from $0 to $649. If your credit history includes any defaults, bankruptcies or if your income is less than $30,000 or if you have been employed for less than 3 months, Plenti are unlikely to approve your loan.

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From 6.89% (fixed)

Interest Rate (p.a.)

6.89%

Comparison Rate (p.a.)

$5,000

Min Loan Amount

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Details

Product NamePlenti Personal Loan
Interest Rate (p.a.)
From 6.89% (fixed)
Comparison Rate (p.a.)6.89%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$50,000
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 $50,000 and loan terms of up to 7 years are available.

Features of a Plenti personal loan

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

  • Loan amount. Borrow from $5,000 to $50,000.
  • Interest rate type. Variable or fixed rate options are available.
  • Loan term. Fixed rate loans have terms from 3 to 7 years, whereas variable rate loans have terms from 1 to 3 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 6.89% p.a. to 21.99% p.a. based on your credit rating and Plenti's eligibility criteria.
  • Comparison rate. From 6.89% p.a. to 22.79% p.a. (based on an unsecured loan of $10,000 repaid over 36 months with an excellent credit history).
  • Application fee. $0 to $649

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. Get your personal, financial and employment details to hand
Be aware that Plenti have strict eligibility criteria that include:

  • An Australian citizen or Australian permanent resident
  • Aged 21 or over
  • Able to prove a regular source of income over $30,000
  • Employed in current role for more than 3 months
  • Have a very good credit history for the last two years with no defaults
  • You're not in financial hardship with other financial providers
  • You do not have pending, current or previous bankruptcy

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

Compare Personal Loans

1 - 5 of 5
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Name Product Mobile details underline Interest Rate (p.a.) Comp. Rate (p.a.) Rate Type Application Fee Monthly Fee Monthly Repayment
NOW Finance No Fee Unsecured Personal Loan Fixed, 18 Months - 7 Years, $5,000 - $50,000
Exclusive
NOW Finance No Fee Unsecured Personal Loan
18 Months - 7 Years, $5,000 - $50,000
5.95%
to 19.95%
5.95%
to 19.95%
Fixed
$0
$0
You'll receive a fixed rate between 5.95% p.a. and 19.95% p.a. based on your risk profile
Borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.

Finder Exclusive: Apply and settle an unsecured personal loan of $30,000 or more to receive a $400 Westfield gift card. Ends on June 30 2022.
OurMoneyMarket Personal Loan Fixed, 1 - 7 Years, $2,001 - $75,000
Exclusive
OurMoneyMarket Personal Loan
1 - 7 Years, $2,001 - $75,000
5.65%
to 20.99%
6.27%
to 23.83%
Fixed
1.50% - 6%
min. $250
$0
You'll receive a fixed rate from 5.65% p.a. to 20.99% p.a. based on your risk profile.
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.

Finder Exclusive: Apply before 30th of June 2022 to secure a 0.20% p.a. discount for the full term of your loan.
Latitude Variable Rate Personal Loan Variable, 2 - 7 Years, $5,000 - $70,000
Latitude Variable Rate Personal Loan
2 - 7 Years, $5,000 - $70,000
5.75%
to 25.99%
6.68%
to 29.20%
Variable
0% - 5%
$13
You'll receive a variable rate between 5.75% p.a. and 25.99% p.a. based on your risk profile
Apply for what you need from $5,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly. You can check your interest rate before applying with no impact to your credit score.
Wisr Personal Loan Fixed, 3 - 7 Years, $5,000 - $64,000
Wisr Personal Loan
3 - 7 Years, $5,000 - $64,000
6.95%
to 17.95%
7.78%
to 18.37%
Fixed
$595
$0
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 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.
Citi Personal Loan Plus Variable, 3 - 5 Years, $5,000 - $75,000
Exclusive
Citi Personal Loan Plus
3 - 5 Years, $5,000 - $75,000
8.90%
9.18%
Variable
$199
$0
You'll receive a variable rate of 8.90% p.a. with a comparison rate of 9.18% p.a. if you're approved.
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.

Finder Exclusive: Earn 150,000 Velocity Points when you apply and activate your account within 90 days from approval.
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Compare up to 4 providers

Personal Loan Offers

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

You'll receive a fixed rate between 5.35% p.a. and 19.09% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3, 5 or 7 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate between 6.49% p.a. and 15.99% p.a. ( 7.41% p.a. to 16.84% p.a. comparison rate) based on your risk profile
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

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

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 6.95% p.a. and 22.49% 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.

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