Personal Loans
Transform your big ideas into reality
Your goals, your terms. Borrow up to $65,000 with a loan that’s tailored to you.
Quick rate estimate in as little as 60 seconds. Apply in 10 Minutes. Enjoy funds in as little as 24hrs from approval.
We're a multi-award winning personal lender
What is an unsecured personal loan?
An unsecured personal loan means that you don’t have to provide any security for your loan. This can result in a quicker and easier application and funding process, since you won’t need to provide us with details of the asset you’re using as security (e.g. a car).
You can use an unsecured loan for a range of purposes such as taking a holiday, making some improvements to your home, or consolidating debt.
Why Choose a Plenti Personal Loan?
Personalised rates
Our rates reward your good credit history.
Fast and Easy Application
Fast Funds
Get your funds in as little as 24 hours after approval.
Borrow up to $65,000
Without having to provide an asset as security.
Unsecured Personal loan repayment calculator
Find out how much your loan repayments could be with a Plenti unsecured personal loan.
Applying for a Plenti unsecured personal loan is easy
Get your rate
1 minute, 10 simple questions. It's all we need to estimate the rate on your personal loan.
Apply in minutes
Complete your quick and easy application, all online.
Get your funds quickly
Once approved and accepted we’ll transfer your funds which could take as little as 24hrs.
What can I use an unsecured personal loan for?
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.
See how our rates stack up
Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)
Products shown do not represent all rates available from all lenders, or all rates available from the lenders presented. Plenti's interest rate is based on a borrower with an exceptional credit history using rates and fees applicable as at 5 February 2026. Plenti’s comparison rate is based on a $30,000 unsecured personal loan repaid over a loan term of 5 years. More information about this comparison tool
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Turn your somedays into today with an award-winning* fintech lender.
Your questions answered
Applying for a personal loan
Complete your online application in 3 easy steps:
- Get your rate estimate - Answer 10 quick questions to see your personalised interest rate estimate in as little as 60 seconds, without impacting your credit score.
- Submit your application - This can be done in as little as 10 minutes. Once we have received all relevant documents, you could be approved in as quickly as 1 business day. If needed, we'll contact you for further information.
- Get your funds - Once approved and accepted, you can receive your funds in as little as 24 hours.
To qualify for a Plenti personal loan in Australia, 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
When applying for a Plenti personal loan, you'll typically need the following documents:
- Proof of Identification: An Australian driver's license or passport
- Income Verification: Bank statements, or tax returns to demonstrate your income if you are self-employed.
You can use Plenti’s personal loan calculator to find out your estimated loan repayments.
Unsecured Personal Loans
You can use a Plenti personal loan for various purposes, including home renovations, travel, buying a car, moving expenses, debt consolidation, weddings, and medical bills.
Plenti offers a personal loan ranging from $5,000 to $65,000. Your borrowing limit can be affected by your credit score and disposable income.
You can pay off your loan early by making early or extra repayments without additional costs. This could help you to save on the interest you pay over the life of the loan.
When deciding between a credit card and a personal loan, it's essential to understand their key differences. A personal loan provides a set amount of money with fixed or variable interest rates, making it ideal for larger expenses like home renovations or travel. The expense is broken down into manageable repayments, which helps with budgeting.
In contrast, a credit card allows you to borrow up to a set limit, making it ideal for smaller or everyday purchases. Some credit cards offer an interest-free period if you pay the full balance by the due date. However, if you can only make the minimum repayment each month, any remaining balance will accrue interest, often leading to higher interest charges.
Interest explained
When you apply for a Plenti Personal Loan you’ll get a personalised interest rate based on your credit history. If you have demonstrated good credit behaviour you may be offered a lower interest rate. On the other hand, if your credit history isn’t very good, you may be offered a higher interest rate.
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.
Credit Score
Before applying for a personal loan, it's essential to check your credit score. Your credit score reflects your borrowing history and repayment habits. You can obtain a free copy of your credit report and score every three months by contacting credit reporting agencies like Equifax, Illion or Experian by following the links below:
Before applying for a personal loan, it's essential to check your credit score. Your credit score reflects your borrowing history and repayment habits. You can obtain a free copy of your credit report and score every three months by contacting credit reporting agencies like Equifax, Illion or Experian by following the links below:
After checking your credit score, check how much you can borrow with our personal loan calculator.
If your credit score is low, you may face higher interest rates, so it’s beneficial to work on improving it before applying for loans. You can enhance your score by:
- Paying rent, mortgage, and utility bills on time
- Making timely credit card repayments and paying more than the minimum
- Lowering your credit card limit
- Limiting the number of credit applications you submit
Plenti uses the credit score provided by Equifax to determine your applicable interest rate. Visit Equifax at https://www.equifax.com.au/personal/ to determine your current credit condition. Checking your report can also help to detect any incorrect information.
