Enjoy returns up to 6.5% p.a.† with the power of consumer lending
Attractive rates for investors
Check out the last matched rates across our four investment markets and start investing today.
5 Year Income
Indicative term: 6 months – 5 years
1 Month Rolling
Indicative term: 1 month
3 Year Income
Indicative term: 6 months – 3 years
National Clean Energy
Indicative term: 3 – 7 years
Capital at risk. See important information and disclaimers below.
We’re Australia’s most loved consumer lender
More investors than any other platform and a 4.7/5 rating from over 2292 borrowers on ProductReview.
Garth , ACT
I wanted to diversify into a new fixed interest product with different risk and return characteristics. Although slightly higher risk than a bank deposit, this investment is providing a high and steady income.
Frank , NSW
Plenti has been great, particularly in the reporting of your investment. The webinars are all well done, the interfaces are transparent and simple yet detailed, and the future income screens are incredibly useful.
Garth , ACT
With over nine percent returns, this investment fits into my allocation of growth assets. I’ve certainly achieved my goal of using Plenti to diversify my portfolio and generate returns that are higher than bonds.
Rodney , AU
I am using Plenti as a lender. The user interface is easy to use and quickly get used to. I was very happy to see my first payments last month and I’m getting more excited to see my compounding interest in the 2nd month.
What are the risks associated with investing with Plenti?
As with every investment, investing in the Plenti Lending Platform is not without risk.
Borrower late payment or default
A borrower or series of borrowers to whom your funds are lent may delay or stop payment on a loan or default on a loan. You may be protected by Plenti making a claim to the Provision Fund, however, there is no guarantee nor warranty as to any protection from the Provision Fund, and as such you may suffer financial loss as a consequence of borrower late payment or default.
No deposit guarantee
Your investment is not a deposit and does not have the benefit of depositor protection laws as it would have if it were an amount deposited with an Australian ADI.
Differences in borrower creditworthiness
Your investment may be impacted by differences in the creditworthiness of borrowers to whom your funds are matched in circumstances where lenders are not fully compensated by the Provision Fund in the event of borrower late payment or default. Plenti performs a comprehensive borrower risk assessment and lends only to creditworthy Australian-resident individuals and businesses, however, there may be differences between the creditworthiness of borrowers to whom your funds are matched and there may be different risks and different levels of overall risk associated with loans to individuals versus loans to businesses.
† ”Earn up to” rate represents the last matched rate in the 5 Year Income lending market as at 12pm, 24 November 2020. Rates are not set by Plenti and are subject to supply and demand of borrower and investor funds in each market.
^Rates shown are last matched rates, displayed on an annualised basis and net of applicable fees as at 12pm, 24 November 2020. Lender rates may assume payments received are continually reinvested at the stated rate and assume your investment is protected by the Provision Fund in the event of any borrower late payment or default, however, there is no guarantee nor warranty as to any protection from the Provision Fund. Fees apply for using early access feature. See the Product Disclosure Statement for details.
All figures stated represent the Plenti Lending Platform (ARSN 169 500 449) only unless stated otherwise.