Renovation Loans
Transform your big ideas into reality
Your goals, your terms. Borrow up to $65,000 with an unsecured renovation loan from Plenti.
Whether you're embarking on major renovations or adding the finishing touches, our home improvement loan is your key to a seamless and stress-free process.
What is a home improvement loan?
A home improvement loan is a personal loan used to pay for renovations or repairs to your home. With Plenti, you can borrow up to $65,000 to bring your home renovation plans to life.
Now that we're all spending more time at home, feeling good in your home matters more now than ever. From a new bathroom or kitchen, to a garden refresh or a new outdoor living space, you could borrow the money you need to create your dream home with Plenti.
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 early repayment fee
$0 monthly fee
Personalised interest rates
How to start planning for your home renovations
Set your renovating goals
Start a to-do list of what home improvements you would like to make and what you want to achieve with your renovation.
Estimate your costs
Get quotes from builders that include material and labour costs. Remember to include additional costs such as storage and council permits.
Work out your spending power
Take note of your savings, income and monthly spending. Use the renovation loan calculator to calculate how much your loan repayment could be.
Renovation loan repayment calculator
Renovation wishlist starting to add up? Find out how much your monthly repayment could be with a Plenti home improvements 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.
How can a Plenti home improvement loan elevate your life and increase property value?
Whether you’re hiring experts or strapping on the toolbelt yourself, find out what can you spend your loan funds on.
Landscaping
Transform your garden with fresh plants and bespoke landscaping.
Kitchen
Upgrade the heart of your home with new cabinetry, sleek tiles, and upgraded appliances.
Furniture
Make your house a home with custom-made, brand new, or second-hand furniture.
Outdoor living
Create your dream outdoor living space to level up your lifestyle.
Bathroom
Swap your outdated bathroom for an elegant and functional oasis.
Home gym
Work out from the comfort of your own home by converting space into a home gym.
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.
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 Australia’s #1 rated consumer lender.
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Your Questions Answered
How does a renovation loan work?
If your renovation loan application is approved and the contract is signed, the funds are directly deposited into your nominated account for payment to contractors at your discretion.
Our renovation loan repayment calculator can estimate the monthly repayment, determined by the borrowed amount, rate, and selected term.
What can I use a renovation loan for?
Who is eligible for a renovation loan?
How do I apply for a renovation loan?
What should I know about the costs and financing of a kitchen renovation?
What should I know about the costs and financing of a bathroom renovation?
Learn more about renovation loans.
Check out our guides to get all the information you need help to transform your home.
Get your personalised rate
Apply in 10 minutes and you could get your funds as soon as the next day.