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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.

Get your rate

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

Couple getting married with ceremony funded by personal finance

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 rates

Personal loan repayment calculator

Find out how much your loan repayments could be with a Plenti unsecured personal loan.

Loan amount

Loan term

Credit history

Example interest rate: 0% p.a.
Comparison rate: 0.0% p.a.*

Estimated monthly loan repayments from

Total repayment (incl. interest and fees)

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This calculator does not incorporate the 0.10% p.a. discount for monthly repayments.

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.

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

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

NAB

from 7.49% pa

CommBank

from 7.75% pa

Westpac

from 7.99% pa

Rates as of 08/05/2025.

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

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.

1,1805-star reviews

2,5825-star reviews

1,6575-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 rate without impacting your credit score.

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