Discounted Personal Loan Top Up Rate Offer Terms and Conditions (Offer Terms)

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By submitting an application for a personal loan top up through the Pages listed below during the Offer Period (Eligible Application) you agree to be bound by these Offer Terms, Plenti’s Terms and Conditions (www.plenti.com.au/terms/) and Plenti’s Privacy Policy (www.plenti.com.au/privacy/):

https://members.plenti.com.au/ (Borrower Portal)

(the “Pages”)

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1. Personal Loan Top Up Rate Offer

1.1. This offer commences on 13 November 2026 and ends at 11:59pm on 04 December 2026 (Offer Period).

1.2. If you satisfy the Eligibility Criteria set out in clause 2.1, you could receive a 0.2% p.a. interest rate discount on the new loan rate where a personal loan top up is approved by Plenti, subject to these Terms and Conditions (Offer).

1.3. If you do not meet the Eligibility Criteria, you are not eligible for the Offer and will not receive a discount on your personal loan top up interest rate.

1.4. This Offer cannot be used in conjunction with any other offer unless explicitly stated.

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2. Eligibility Criteria

2.1. You will be eligible for the Offer only where you meet all of the following conditions (Eligibility Criteria):

(a) You will see the banner with the offer on your Borrower Portal home page;

(b) You submit an Eligible Application by clicking on the banner;

(d) You enter into a new personal loan contract resulting from the Eligible Application (Loan Contract).

2.2 If there is any inconsistency between the Loan Contract and these Terms and Conditions, then the Loan Contract will prevail to the extent of the inconsistency.

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3. How to redeem

3.1. You must:

(a) Visit the Pages either by:

(i) clicking on any of the call-to-action buttons contained in a promotional email or communication directly from Plenti about the Offer, which will lead you to log in to the Borrower Portal, and clicking on the banner displayed on the home page containing the Offer; or

(ii) directly logging in to the Borrower Portal and clicking on the banner displayed on the home page containing the Offer; and

(b) Complete a loan top up rate estimate and apply for a loan top up via the Pages.

3.2. Eligible Applications are subject to credit assessment and must meet Plenti’s lending, eligibility, and credit criteria.Fees and charges may apply.

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4. Exclusions

4.1. The Offer is only available in relation to Plenti Personal loans top up resulting from Eligible Applications. All other Plenti loans are ineligible for the Offer.

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5. Other terms

5.1 Acting reasonably:

(a) Plenti reserves the right to amend or alter this offer at any time.

(b) Plenti may reject your application including, but not limited to, where you do not meet Plenti’s eligibility or credit criteria.

5.2 These Terms and Conditions will be governed by and construed according to the laws in force in the State of New South Wales. Each party unconditionally and irrevocably submits to the exclusive jurisdiction of Courts with jurisdiction in New South Wales and all appellate Courts from such Courts.

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6. Privacy

6.1 All information collected and held is done so in accordance with our Privacy Policy, which can be found at https://www.plenti.com.au/about-us/legal/privacy-policy

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