Renovation Loans
Transform your big ideas into reality
Your goals, your terms. Borrow up to $65,000 with an unsecured renovation loan from Plenti.
Whether you're embarking on major renovations or adding the finishing touches, our home improvement loan is your key to a seamless and stress-free process.
We're a multi-award winning personal lender
What is a home improvement loan?
A home improvement loan is a personal loan used to pay for renovations or repairs to your home. With Plenti, you can borrow up to $65,000 to bring your home renovation plans to life.
Now that we're all spending more time at home, feeling good in your home matters more now than ever. From a new bathroom or kitchen, to a garden refresh or a new outdoor living space, you could borrow the money you need to create your dream home with Plenti.
With our simple application process, you can enjoy a stress-free personal loan experience that suits your needs
Borrow up to $65,000
1-7 year loan terms
Fast funds in as little as 24hrs from approval
$0 early repayment fee
$0 monthly fee
Personalised interest rate
How to start planning for your home renovations
Set your renovating goals
Start a to-do list of what home improvements you would like to make and what you want to achieve with your renovation.
Apply Now
Get quotes from builders that include material and labour costs. Remember to include additional costs such as storage and council permits.
Streamline Your Repayments
Take note of your savings, income and monthly spending. Use the renovation loan calculator to calculate how much your loan repayment could be.
Renovation loan repayment calculator
Renovation wishlist starting to add up? Find out how much your monthly repayment could be with a Plenti home improvements loan.
How can a Plenti home improvement loan elevate your life and increase property value?
Whether you’re hiring experts or strapping on the toolbelt yourself, find out what can you spend your loan funds on.
Landscaping
Transform your garden with fresh plants and bespoke landscaping.
Kitchen
Upgrade the heart of your home with new cabinetry, sleek tiles, and upgraded appliances.
Furniture
Make your house a home with custom-made, brand new, or second-hand furniture.
Outdoor living
Create your dream outdoor living space to level up your lifestyle.
Bathroom
Swap your outdated bathroom for an elegant and functional oasis.
Home gym
Work out from the comfort of your own home by converting space into a home gym.
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
Applying for a Plenti personal loan is easy
Receive your personalised rate
Get your obligation-free rate in just 60 seconds without affecting your credit score
Complete your application online
Complete your application online - submit documents securely, track progress and chat with us.
Get your funds quickly
Receive your funds in as little as 24 hours after approval.
A 5-star experience from start to end
Turn your somedays into today with an award-winning* fintech lender.
Personal Loans for all your big ideas
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Your questions answered
If your renovation loan application is approved and the contract is signed, the funds are directly deposited into your nominated account for payment to contractors at your discretion.
Our renovation loan repayment calculator can estimate the monthly repayment, determined by the borrowed amount, rate, and selected term.
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
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
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
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
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
Learn more about renovation loans.
Check out our guides to get all the information you need help to transform your home.
