Compare Personal Loan Rates

Transform your big ideas into reality.

Compare interest rates to find out which Plenti loan is right for you.

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

We've helped over 110,000 Australians bring their ideas to life with a low rate loan. And we're just getting started.

How do I compare personal loan interest rates?

If you’ve started comparing personal loan rates you’ll know there’s more to interest rates than just a percentage. There are fixed and variable rates, comparison rates and sometimes even additional fees and charges. So what do they all mean, how do they stack up and what’s the best personal loan interest rate for you? Read on to find out.

Take a closer look at our rates and fees

Product Unsecured Personal Loan Secured Car Loan Electric Vehicle Loan
Purpose Transform your big ideas into reality. Borrow up to $65,000 with a loan tailored to you. The key to you new set of wheels. Borrow up to $100,000 with a secured car loan from Plenti. Get rewarded for going Green. Plenti offers a rate reduction of 0.5% p.a. for those financing new electric vehicles up to $90,000 through our collaboration with the Clean Energy Finance Corporation (CEFC).
Interest Rate Type Fixed or Variable Fixed Fixed
Secured Loan No Yes Yes
Interest Rate (p.a.) 5.95% - 24.09% 7.19% - 11.99% 6.69% - 12.49%
Comparison Rate* 5.95% - 25.08% 7.82% - 12.65% 7.31% - 13.15%
Credit Assistance Fee $0 - $599 $299 - $849 $299 - $849
Monthly Account Fee $0 $0 $0
Early Repayment Fee $0 $0 $0
Available Terms 1-7 year 3-7 year 3-7 year
Minimum Loan Amount $5,000 $10,000 $10,000
Maximum Loan Amount $65,000 $100,000 $100,000
Repayment Frequency Monthly Monthly Monthly
Additional Payments Yes Yes Yes
Additional Payment Fee $0 $0 $0
Apply Now Apply Now Apply Now

The information contained in this table above are current as at 13 October 2025 and subject to change without notice. This table will be updated periodically to allow you to continue to compare personal loan rates.

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Personal loan interest rates 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?

A comparison rate is a tool to help you understand the true cost of a personal loan. This rate allows you to better compare the price of different loan providers by factoring in some of the fees and charges (such as application or establishment fee, or monthly servicing or account keeping fee) that are included in their loan. Some loan providers have fees for establishing the loan.

A comparison rate on a personal loan in Australia may be calculated on a $30,000 loan amount over 60 months. This includes the interest rate and some fees (such as establishment fees and monthly fees).

While the comparison rate covers some fees and charges, some are not included, for example:

  • Government Stamp Duty and On-Road Costs
  • Late Payment Fees
  • Break Costs or Early Termination Fees
  • Cost savings such as fee waivers or the availability of interest offset arrangements which can influence the cost of a loan
Will the interest rate on my loan be fixed or variable?

Your interest rate may vary depending on the type of loan you apply for. Our Fixed personal loans feature fixed interest rates, so the repayment amount stays the same throughout the life of the loan. These loans can have terms of 3-7 years. On the other hand, variable rate loans have terms of 1-2 years, but your rate could change during the term of your loan.

How is interest calculated on a Plenti Personal Loan?

Interest accumulates daily on the outstanding balance of your loan account at the annual percentage rate.

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

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

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