Limited Time Offer for Canstar Customers
New customers applying for a personal loan before 31 October 2025 will receive a special discount of 0.10% on their personalised rate*
We've helped over 110,000 Australians bring their ideas to life with a low rate loan. And we're just getting started.
Canstar award winner for 9 years running
Why choose a Plenti personal loan?
Borrow up to $65,000
1-7 year loan terms
Fast funds in as little as 24hrs from approval
$0 early repayment fee
$0 monthly fee
Personalised interest rate
Personal loan repayment calculator
Find out how much your loan repayments could be with a Plenti unsecured personal loan.
Eligibility criteria
You should be at least 18 years or older
You should be an Australian citizen or permanent resident.
Maintain a good credit history
Earn over $25,000 annually from a verifiable, regular income source
Applying for a Plenti personal loan is easy
Get your rate
Get your personalised rate in as little as 60 seconds.
Apply in minutes
Complete your application in as little as 10 minutes.
Enjoy your funds
Receive your funds in as little as 24 hours after approval.
A 5-star experience from start to end
Turn your somedays into today with an award-winning* fintech lender.
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.