Personal Loans
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 $65,000
1-7 year loan terms
Fast funds in as little as 24hrs from approval
$0 monthly fee
Personalised interest rates
See how our rates stack up
Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)
Rates as of 08/12/2024.
Excludes any short term promotional rates. View the fine print for important information.
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
Applying for a Plenti personal loan is easy
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.
Comparison rate: 0.0% p.a.*
Repayment calculator: 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.
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.
Medical loans
Take charge of your health.
Motorbike loans
Finance your new bike.
Moving cost loans
Make relocating easy.
A 5-star experience from start to end
Turn your somedays into today with Australia’s #1 rated consumer lender.
Your Questions Answered
Applying for a personal loan
How does the online application process work?
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.
Am I eligible for a Plenti personal loan?
What information do I need to have ready when applying for a Plenti Personal Loan?
General
What can I use my Plenti Personal Loan for?
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.
How much can I borrow for a personal loan?
Can I pay off my loan early?
What is the difference between a personal loan and a credit card?
Where can I get a Plenti personal loan in Australia?
Looking for a specific loan amount? Find more information on specific loan types below:
Interest explained
How do personalised interest rates work?
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.
What is a comparison rate for a personal loan?
Will the interest rate on my loan be fixed or variable?
How is interest calculated on a Plenti Personal Loan?
Credit Score
How do I check my 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:
- https://www.equifax.com.au/personal/
- https://www.illion.com.au/
- https://www.experian.com.au/
After checking your credit score, check how much you can borrow with our personal loan calculator.
How can I improve my credit score?
What credit report/credit score will Plenti use to determine my interest rate?
Learn more about personal loans
We know that navigating personal loans can be overwhelming, but our smart guides make understanding your options simple and straightforward.
Get your personalised rateApply in 10 minutes and you could get your funds as soon as the next day.