$35,000 Personal Loans

When your aspirations need a boost

Transform your big ideas into reality with a $35,000 personal loan, offering rates that empower your journey.

Get your rate
Interest rates from
5.95
%
p.a.
Comparison rate*
5.95
%
p.a.

Get a rate estimate in as little as 60 seconds. You could enjoy your funds as soon as the next day.

We're a multi-award winning personal lender

Canstar Award for Outstanding Value - Excellent Credit - Personal Loans from 2015 to 2024Canstar Award for Outstanding Value - Excellent Credit - Personal Loans - 2024WeMoney Award for Non-Bank Lender of the Year 2025Highly Commended - Unsecured Personal Loans - Finder - 2025
Features

$35,000 loans with Plenti

A Plenti loan can unlock a world of possibilities – ignite your passions, seize opportunities, or finance your projects.

$35,000 loan amount

1-7 year loan terms

Fast funds in as little as 24hrs from approval

$0 early repayment fee

$0 monthly fee

Personalised interest rate

What can you get with a $35,000 loan from Plenti?

A $35,000 loan could be applied toward transforming your kitchen into a modern cooking haven, perfect for entertaining guests. Alternatively, you might embark on an overseas adventure, exploring new cultures and cuisines. Upgrading to an eco-friendly vehicle is another option, transitioning to a low-emissions vehicle while enjoying comfortable travel. The sum could also help create your dream wedding or simplify your finances by consolidating multiple debts. It might even be used toward an exciting relocation to another country.

Car
A fuel-efficient hybrid car could reduce your environmental impact while providing comfortable and economical transportation for various journeys.
Debt consolidation
Full debt consolidation can streamline your finances, combining multiple obligations into one manageable loan and potentially reducing overall interest costs.
Home renovation
A full kitchen renovation can modernise your home, improving functionality and creating a stylish space for cooking and entertaining guests.
Moving costs
When moving internationally, you might need to pay for airfares, shipping containers, visa fees, and initial accommodation in your new overseas home.
Travel
An international trip with hotel stay allows you to explore distant lands, experience diverse cuisines, and create lasting memories in far-flung destinations.
Wedding
Engage a skilled wedding planner to orchestrate your perfect day, coordinating vendors, managing timelines, and ensuring every detail aligns with your vision.

What can you get with a loan from Plenti?

$35,000 personal loan repayment calculator

Find out how much your $35,000 loan repayments could be with a Plenti unsecured personal loan.

Loan amount   ⓘ
You can apply to borrow #_VALUE_# to #_VALUE_#
Loan term   ⓘ
You can apply to borrow #_VALUE_# to #_VALUE_#
Example interest rate: % p.a.
Comparison rate: % p.a.*
Estimated monthly loan repayments from
$
Total repayment (incl. interest and fees)
Get your rate

The calculator is designed as a guide only and is not a quotation or an offer of credit. The interest rates and monthly repayment amounts are indicative and based on the credit history selected. The loan amount you can borrow and your personalised interest rate and repayment amount may be different once you complete a loan application.

Simple steps to apply for a $35,000 personal loan

1. Get your personalised rate

Fill out the quick online form and you’ll get a personalised estimate of how much you could borrow and the interest rate.

2. Select your loan terms

Decide how much you want to borrow and how long you want to have to repay your loan.

3. Submit

Complete all the details and submit your application. Our team will review it and be in touch — usually within 48 hours.

Need more than $35,000?

Find more information on different loan types below:

💵 $5,000 personal loan
💵 $10,000 personal loan
💵 $15,000 personal loan
💵 $20,000 personal loan
💵 $25,000 personal loan
💵 $30,000 personal loan
💵 $35,000 personal loan
💵 $40,000 personal loan
💵 $45,000 personal loan
💵 $50,000 personal loan
💵 $55,000 personal loan
💵 $60,000 personal loan
💵 $65,000 personal loan
Reviews

A 5-star experience from start to end

Don't put off your dreams any longer — make them a reality today with an award-winning* fintech lender.

1,180
5-star reviews
2,582
5-star reviews
1,657
5-star reviews
More about Plenti Personal Loans

How much is a monthly payment on a $35,000 personal loan?

The monthly payment on a $35,000 personal loan depends on several factors, including the interest rate, loan term, and any additional fees

What should I consider before applying for a $35,000 personal loan?

Evaluate how taking on a $35,000 personal loan will affect your overall financial situation. Consider your existing debts, monthly expenses, and savings goals to ensure you can comfortably afford the loan payments without jeopardising your financial stability.

What are the available repayment periods for a $35,000 personal loan?

A $35,000 personal loan can be repaid in terms from 3 to 7 years.

Unsecured vs Secured loans: Which is the best for borrowing $35,000 personal loan?

It would depend on your individual circumstances. At Plenti, we specialise in unsecureds, while our car loans are secured against the vehicle.

How long will it take to repay a $35,000 personal loan?

A $35,000 personal loan can be repaid in terms from 3 to 7 years.

How do I apply for a $35,000 personal loan?

Start by clicking the button below:

  • Fill out the quick online form and you’ll get a personalised estimate of how much you could borrow and the interest rate
  • Decide how much you want to borrow and how long you want to have to repay your loan

Is it better to get a $35,000 personal loan or credit card?

The better choice between a $35,000 personal loan and a credit card depends on your individual circumstances and preferences. Consider factors such as interest rates, repayment terms, credit impact, and fees to make an informed decision that aligns with your financial goals.

How can I calculate my loan repayments for a Plenti personal loan?

You can use Plenti’s repayment calculator to find out your estimated loan repayments.

Important information*

This information does not constitute financial advice and you should consider whether it is appropriate to your circumstances before you act in reliance on it. Any opinions, forecasts or recommendations reflect the judgement and assumptions of Plenti as at the date of publication and may later change without notice.

Personal loans‍

*Comparison rate is based on an unsecured personal loan of $30,000 repaid over 60 months. Rates shown assume a customer with an exceptional credit history. Rates are current as at 13 October 2025. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. This estimate is not an offer, quote or approval of finance. The actual repayment amount and interest rate will be confirmed if an application is submitted and approved. All applications are subject to credit assessment and eligibility criteria. Plenti's credit criteria, terms and conditions, fees and charges apply.

Credit provided by Plenti Finance Pty Limited ABN 82 636 759 861 (supported by its servicer, Plenti RE Limited ABN 57 166 646 635) or Perpetual Corporate Trust Limited ACN 000 341 533, Australian Credit Licence number 392673 (as custodian). Plenti RE Limited holds Australian Financial Services Licence number 449176, Australian Credit Licence number 449176. Both Plenti RE Limited and Plenti Finance Pty Ltd are members of the Australian Financial Complaints Authority (AFCA). Plenti’s Target Market Determination is available here.

Representative example: Based on an unsecured personal loan of $30,000 over 60 months a borrower with an exceptional credit history can expect to pay a total of $34,757.21. This represents a comparison rate of 5.95% p.a. and includes all interest and fees included in your loan repayments over the life of the loan. Plenti personal loans are available for a minimum of 6 months to a maximum of 7 years. Interest rates range from 5.95% p.a. (comparison rate 5.95% p.a.) to 24.09% p.a. (maximum comparison rate 25.08% p.a.).

Comparison module

‍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 13 October 2025. Plenti’s comparison rate is based on a $30,000 unsecured personal loan, repaid over a loan term of 5 years.

All other interest and comparison rates displayed are the headline rate as advertised by the respective lender and exclude short-term promotional offers. Rates are typically updated daily, and you should check the relevant lender's website for the most up to date information.

The actual product, rates, fees and charges you might be eligible for will be subject to the respective lender's eligibility criteria and may be different to the information shown on this page based on your loan term, loan amount and credit characteristics. You should check the lender’s website for the most up to date information

Other fees and charges not shown here may apply. Rates shown are subject to change without notice. Information on this page does not constitute an offer of credit, or financial advice. Plenti RE Limited  ABN 57 166 646 635 holds an Australian Credit License number 449176  but does not provide credit assistance in relation to all products compared on this page.

Awards and customer reviews

All 5-star related claims are based on an aggregate count of 5-star consumer lender reviews across Google, TrustPilot and Product Review. Last count conducted on 15/4/25. Count excludes all major banks.

Our awards are listed at plenti.com.au/about/awards

Acknowledgement of Country

Plenti respects and honours Aboriginal and Torres Strait Islander Elders past, present and future. We acknowledge the stories, traditions and living cultures of Aboriginal and Torres Strait Islander peoples on this land and commit to building a brighter future together.

We recognise the Gadigal people of the Eora Nation, who are the traditional custodians of the land on which Plenti’s Sydney office stands, and the Kaurna people as the traditional owners of the Country where our Adelaide team is located.