Unsecured Personal Loans

A simpler, fairer loan to bring your big ideas to life

Lock in a great rate on an unsecured personal loan.

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 127,000 Australians to turn their dreams into reality by providing low-rate loans. And we’re just getting started.

Features

A simple, straightforward personal loan

With low rates from 6.57% p.a.*, a Plenti unsecured personal loan could bring you one step closer to kick-starting that big project you’ve been thinking about — even if that’s just rounding up your loans and debts into one spot.

Monthly fees

Early repayments

$5k - $65kLoan amounts

1 - 7 yearsLoan terms

24 hourSettlement

woman sitting on lounge drinking from mug while looking out window

More than just a personalised interest rate

Tailored rates are just part of the story. An award-winning loan from Plenti can help put your plans into action sooner, and for less.

Get a personalised rate in just one minute with no impact on your credit score.

Get my rate

Process

Applying for a Plenti loan

Plenti takes the stress, and a lot of the paperwork, out of applying for a personal loan. Check out what information you'll need to apply and how quickly you could bring your next big idea to life.

1. Get your rate

1 minute, 10 simple questions. It's all we need to estimate the rate on your debt consolidation loan and get you closer to a debt-free future.

2. Apply in minutes

3. Enjoy your funds

Find out information on different loan types below.

💵 $5,000 Personal Loans	💵 $10,000 Personal Loans	💵 $15,000 Personal Loans	💵 $20,000 Personal Loans
💵 $25,000 Personal Loans	💵 $30,000 Personal Loans	💵 $35,000 Personal Loans	💵 $40,000 Personal Loans
💵 $45,000 Personal Loans	💵 $50,000 Personal Loans	💵 $55,000 Personal Loans	💵 $60,000 Personal Loans
💵 $65,000 Personal Loans

What is an unsecured personal loan?

An unsecured personal loan is one that’s not tied to your assets, such as a car, property or shares. And because they’re not used as collateral, a lender can’t repossess an asset if you default on your loan. Instead, unsecured loans may have higher interest rates and/or require borrowers to have a better credit history than secured loans.

Unsecured personal loans are great if you want some flexibility, have a solid credit history, can’t bear risking your beloved roadster, or have big dreams but not a lot of high-value assets.

How much can I borrow with an unsecured personal loan?

Plenti provides tailored unsecured personal loans from $5,000 to $65,000 with loan terms between 12 months and 7 years, and low interest rates starting at just 6.57% p.a and a comparison rate of 6.57% p.a.

Is it hard to get an unsecured personal loan?

An unsecured personal loan isn’t necessarily harder to get, but since they’re riskier for the lender, you may need to have a strong credit history and be prepared to pay a higher interest rate than if you were using your assets as collateral against a secured loan.

How do I qualify for an unsecured personal loan?

You may be able to qualify for an unsecured personal loan if you can show that you’re likely to make all your repayments on time, for example you have a good credit history, a stable income, or not many other debts.

Do unsecured loans hurt your credit?

Unsecured loans can affect your credit score for a number of reasons. Applying for new credit can lower your score in the short-term, but as long as you make repayments on time, that score can go back up fairly quickly. In fact, consistently making repayments on time could help boost your score. On the flip side, having too many debts or missing repayments when they’re due might cause your credit score to drop.

Unsecured personal loans if you’re self-employed

Being self-employed or a sole trader doesn’t automatically stop you from getting an unsecured loan — it might just make it a bit more difficult. That’s because lenders want to be sure borrowers are able to pay off the loan over time, which is usually from a regular salary.

Instead of providing payslips, you could prove that your annual income is steady from year to year by providing tax returns or assessments from the past few years, bank statements, existing loan and/or credit card details, and business financial statements.

Get your personalised rate in 2 min
without impacting your credit score.

Get your rate