How does topping up my loan work?

Looking for a little more, to change a lot? 

A loan top up allows approved applicants to efficiently and easily borrow additional funds. This additional amount will be consolidated into the existing loan, with one monthly repayment.

Applying for a top up is simple and 100% online. To process your top up request, follow these simple steps:

1. Log in to your Plenti Account

2. Select 'View loan details' on the relevant loan to check your eligibility to apply

3. If you see an offer banner, you are eligible to apply

4. Click on the banner to get started

When applying you will need to:

1. Confirm some information about your current financial circumstances

2. Provide a copy of your latest bank statement

We will then perform an up to date credit check. Getting an accurate picture of your most recent financial position helps us ensure we offer you the best possible rate on your top up.

Plenti will provide you with an outcome, and if successful we will invite you to accept your new loan contract. The new loan contract will cover the balance of your existing loan combined with the new top up amount.

Note that you won't be able to apply for a loan top up five business days before or on your direct debit date.