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
With our simple application process, you can enjoy a stress-free personal loan experience that suits your needs.
Borrow up to $50,000
1-7 year loan terms
Fast funds in as little as 24hrs from approval
$0 monthly fee
Personalised interest rate
See how our rates stack up
Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)
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
Get your rate
Get your personalised rate in just 60 seconds.
Apply in minutes
Complete your application in under 10 minutes.
Enjoy your funds
Receive your funds in as little as 24 hours after approval.
Personal loan repayment calculator
Find out how much your loan repayments could be with a Plenti unsecured personal loan.
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
Travel loans
Cover travel costs for your dream getaway
Wedding loans
Finance your big day
Caravan Loans
Elevate your road trips
Motorbike loans
Finance your new bike
Boat loans
Upgrade your everyday
A 5-star experience from start to end
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.
General
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.
No matter where you are in Australia, you can apply for a personal loan with Plenti entirely online. Find your location below and apply!
- Personal Loans Sydney
- Personal Loans Melbourne
- Personal Loans Brisbane
- Personal Loans Perth
- Personal Loans Adelaide
- Personal Loans Gold Coast
- Personal Loans Canberra
- Personal Loans Newcastle
- Personal Loans Wollongong
- Personal Loans Geelong
- Personal Loans Hobart
- Personal Loans Townsville
- Personal Loans Cairns
- Personal Loans Darwin
- Personal Loans Toowoomba
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.
A comparison rate is a tool to help you understand the true cost of a personal loan. This rate allows you to better compare the price of different loan providers by factoring in some of the fees and charges (such as application or establishment fee, or monthly servicing or account keeping fee) that are included in their loan. Some loan providers have fees for establishing the loan.
A comparison rate on a personal loan in Australia may be calculated on a $30,000 loan amount over 60 months. This includes the interest rate and some fees (such as establishment fees and monthly fees).
While the comparison rate covers some fees and charges, some are not included, for example:
- Government Stamp Duty and On-Road Costs
- Late Payment Fees
- Break Costs or Early Termination Fees
- Cost savings such as fee waivers or the availability of interest offset arrangements which can influence the cost of a loan
Your interest rate may vary depending on the type of loan you apply for. Our Fixed personal loans feature fixed interest rates, so the repayment amount stays the same throughout the life of the loan. These loans can have terms of 3-7 years. On the other hand, variable rate loans have terms of 1-2 years, but your rate could change during the term of your loan.
Interest accumulates daily on the outstanding balance of your loan account at the annual percentage rate.
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.
