Fixed Income Investing | Put your interest on autopilot

Build your wealth

Investments in loans can be an attractive addition to your portfolioInvesting in consumer credit has historically been dependable because it's tied to everyday and essential purchases like vehicles, home repairs and education. Adding consumer credit to your investment portfolio can help your portfolio achieve returns when other aspects of your portfolio may be in decline.

Everyday investors can access retail lending Investing in consumer credit with the Plenti Lending Platform can offer attractive long-term returns compared to term deposits and other investments. Previously only banks and select institutional investors could invest in retail lending.
Investment risks apply.

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Put your money to work

Learn more about the Plenti Lending Platform's unique offering

Regular source of fixed income

Attractive, stable returns paid monthly.

Select the term and rate that works for you

Invest for terms from one month through to seven years.

Start investing with as little as $10

Boost your account by depositing funds as often as you’d like.

Simple, digital experience

Manage your investments online or with our mobile app.

Recurring investments

Set and forget your way to compounding returns with flexible settings to reinvest.

No entry or exit fees

Free to open an account.
No exit fees to withdraw your funds.

Investment terms that work for you

Flex Market

Term: 1 month

Investing in secured and unsecured loans up to 2 years in term to creditworthy consumer and business borrowers.

Plus Market

Term: 3-7 years

Investing in secured and unsecured loans between 3 and 7 years in term to creditworthy consumer and business borrowers.

Green Market

Term: 1 month

Investing in secured and unsecured loans for an Approved Energy Product between 3 and 7 years in term to creditworthy consumer and business borrowers.

Notes Market

Indicative term: October - December 2027

Investing in a secured loan used to purchase and provide indirect economic exposure to class G1 notes in Plenti’s 2024-2 PL & Green ABS.

The Provision Fund for investors

Plenti offers a unique, additional buffer to help manage risk for fixed income investors. Plenti borrowers pay a fee into the Provision Fund, a pool of funds held in cash by a separate trustee. In the event a borrower misses a repayment or defaults on their loan, the Provision Fund can step in to protect investors.Whilst the Provision Fund has a 100% track record of protecting investors, it is not a guarantee and you should read the PDS before making an investment decision‍

Current provision fund balance: $7.2m^

^ Data as at 31 March 2026. Certain payments to investors may not have been processed as at the date of extracting this data. This data is updated quarterly.

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Getting started is quick and simple

Register

Transfer

Transfer funds via BPAY or bank transfer – get started with as little as $10.

Invest

Select a lending market and rate, get matched with creditworthy borrowers and set your investment preferences.

Investment risk and the Plenti Lending Platform

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.

Borrower late payment or default

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.

Borrower default impact on the availability of funds

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.

View all risks

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We're a multi-award winning personal lender so it's no surprise our investors love us too.

"Plenti is very transparent with the interest rates you will get for your money. Their platform make it easy to use, whether you want to reinvest or withdraw your funds to your bank account. Customer service is local and friendly. Very satisfied with this company."

Elvira, investor

"Received very high interest rates for years, customer service is local and very efficient. Referral bonuses are a great way to make extra money too. I'll be happy to stay with Plenti for years."

Daniel, investor

"My customer service was well above average. I did not receive any unexpected costs. I am satisfied with the rate I got. The best part is how responsive the team are with their emails."

Benjamin, investor

Smart investing made easy

Earn up to 8.0% p.a.*

Earn up to 8.0% p.a.*Invest in loans to creditworthy borrowers from across Australia.

Automatic reinvestments

Take advantage of compounding interest by automatically reinvesting your principal and interest.

Early access

Funds earmarked for something special? You may be able to take advantage of our early access feature.

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Your retail lending questions, answered

How do I start investing?

You can register to invest with Plenti online in just 5 minutes. Once we have approved your registration, you will be able to transfer funds into your account, select the lending market you wish to invest in, set your rate and have your funds matched with loans to creditworthy borrowers.

For more information about investing, you should see the Product Disclosure Statement.

How is risk managed?

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.

What is the minimum investment?

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

Who am I lending to?

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.

What fees are payable?

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.