BestFind Partnership: Unlock a faster, fairer rate

Personal Loans

When your aspirations need a boost

Transform your big ideas into reality with Plenti's unsecured personal loans, offering low rates that empower your journey.

Interest rates from

6.57

p.a.

Comparison rate*

6.57

p.a.

Interest rates from

6.57

p.a.

Comparison rate*

6.57

p.a.

We've helped over 95,000 Australians bring their big ideas to life with a low rate loan. And we're just getting started.

Features

Simple rates,
tailored to you

We take the time to get to know you so we can offer you a better rate based on your good credit history.

Monthly fees

Early repayment fees

$5k - $65kLoan amounts

1 - 7 yearsLoan terms

24 hourSettlement

See how our rates stack up

Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)

Interest RatesComparison Rates

Plenti

from 6.57% pa

ANZ

from 7.49% pa

Westpac

from 7.99% pa

NAB

from 8.49% pa

CommBank

from 8.50% pa

Rates as of 14/10/2024.

Excludes any short term promotional rates. View the fine print for important information.

Process

A faster, fairer borrowing experience

Our simple 3-step process will have you enjoying your funds sooner. Get a rate estimate.

1. Get your rate

1 minute, 10 simple questions. It's all we need to estimate the rate on your personal loan.

2. Apply in minutes

3. Enjoy your funds

Reviews

Join the 5-star experience

Don't delay your dreams any longer—trust Australia's most 5-star reviewed personal lender. Your aspirations are our commitment—Plenti Personal Loans, where big ideas find support.

7615-star reviews

2,5265-star reviews

1,6155-star reviews

How do personal loans work?

Plenti's personal loans offer a quick, fair, and straightforward process. After submitting an application detailing your financial situation, credit history, and employment, you'll receive a decision notification via email. You'll sign the loan contract through email and text messages if approved. The funds will be directly deposited into your nominated account, allowing you to use them for your specific purpose. Repayments, including principal and interest, will be made through monthly direct debits according to the terms of your loan contract. Factors like your credit history and overall risk profile determine the interest rate.

How much can I borrow for a personal loan?

Plenti offers a personal loan ranging from $5,000 to $65,000, though the actual amount depends on your application and financial circumstances. It's advised to borrow only what you need to avoid unnecessary increases in repayments and total interest paid. In some cases, Plenti may present a 'counter-offer,' providing conditional approval for a lower loan amount that aligns with your affordability, adhering to responsible lending requirements.

Am I eligible for a Plenti personal loan?

To qualify for a Plenti personal 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

If you're self-employed and uncertain about your eligibility, don't fret. You can apply as long as you have been in your current role for at least 12 months.

How do I apply for a personal loan?

Plenti's personal loan application is straightforward and swift. Begin by determining your desired loan amount and repayment duration. Confirm your eligibility and request a non-binding online rate estimate using the Rate Estimate tool, which won't affect your credit score. If satisfied with the estimate, proceed with the application, where you'll need to verify your identity and income by providing the necessary documents. Plenti exclusively offers unsecured personal loans, eliminating the need for asset or security details during the application. Remember that all applications are subject to credit assessment and eligibility criteria, and terms, conditions, fees, and charges may apply.

Get your personalised ratewithout impacting your credit score.

Get your rate

When your aspirations need a boost

Simple rates,tailored to you

A faster, fairer borrowing experience

1. Get your rate

2. Apply in minutes

3. Enjoy your funds

Join the 5-star experience

Simple rates,
tailored to you