Car Loan Refinance
For a fairer, finance experience
Spend less time filling out forms and more time enjoying that new car smell with a new car loan from Plenti.
We've helped finance over 43,000 new and used cars so our customers can enjoy those new wheel feels sooner.
Simple rates, tailored to you
$10K - 100K loan amounts
Fast funds in as little as 24hrs from approval
$0 monthly fee
3-7 year loan terms
$0 early repayment fee
Personalised interest rate
Get a quote with no impact on credit score
Any personal information we hold and transfer about you is always secure
A faster, fairer experience
Tap, swipe, click. Enjoy a completely paperless borrowing experience that’s fast and simple.
Get your rate
1 minute, 10 simple questions. It's all we need to estimate the interest rate on your refinance loan.
Apply in minutes
Complete your car refinancing loan application with just a tap or a click in under 10 minutes.
Settle your loan
Once pre-approved you can arrange your purchase and complete the settlement process online.
Funds are ready
Once approved and accepted funds will be transferred within two days.
Personal Loans for all your big ideas
Car Loans
Get the keys to your dream car
Debt Consolidation Loans
Simplify your finances
Renovation Loans
Turn your house into a home
Boat loans
Cover travel costs for your dream getaway
Wedding loans
Finance your big day
Medical loans
Take charge of your health
Motorbike loans
Finance your new bike
Moving cost loans
Make relocating easy.
A 5-star experience from start to end
Turn your somedays into today with an award-winning* fintech lender.
Your questions answered
Before opting for a debt consolidation loan, consider the following factors:
- Monthly payment: Find out how much your new monthly payment would be.
- Interest Rates: Check if the new loan has a lower interest rate than your current debts. Use our ‘Get your rate’ function to estimate your potential rate.
- Total Consolidation Amount: Identify all debts for consolidation, including existing balances, potential additional fees, and whether to close previous credit facilities.
- Assess Borrowing Power vs. Total Debt: The consolidation loan can cover all existing debts if your borrowing power exceeds total debt. If borrowing power is less than total debt, prioritise which debts to consolidate by focusing on consolidating debts that offer the most significant savings and continuing to repay others separately.
To qualify for a Plenti debts consolidation loan, you must meet the following criteria:
- Age: 18 years or older
- Citizenship: Australian citizen or permanent resident
- Income: earn over $25,000 annually from a verifiable, regular income source
- Credit History: maintain a good credit history
Having one debt consolidation loan instead of lots of small debts can have many benefits:
- Simplify your finances: Consolidating all of your debts into one loan means you only have to make one monthly repayment, instead of having to manage multiple loans across different providers or cards. This can give you a better idea of when you'll be debt free.
- Save money: Choosing a debt consolidation loan which offers a lower interest and fewer fees can save you money across the life of the loan.
- Extended repayment periods: Debt consolidation loans can have longer repayment periods than credit cards or your existing personal loans, which can lower your monthly payments, making them more affordable.
- Improved credit rating: Having control over one debt, instead of juggling multiple repayments can help to improve your credit rating by avoiding inadvertently missed payments.