Plenti Lending Platform
Earn up to 7% p.a.* with the Plenti Lending Platform
Invest in Aussie dreams by funding loans for creditworthy borrowers and get rewarded with great rates and features.
See important information. Capital at risk. Consider the PDS.
Start investing from the palm of your hand
It’s as easy as tap, click, swipe, earn.
1. Register
Register as an individual, company or SMSF trustee. Provide some basic info including personal details and bank details.
2. Transfer
Transfer funds via BPAY or bank transfer – get started with as little as $10.
3. Invest
Select a lending market and rate, get matched with creditworthy borrowers and set your investment preferences.
1-month rolling
Earn up to 4.3% p.a.*
Invest for an indicative 1-month term with monthly principal and interest repayments.
3-year income
Earn up to 5.4% p.a.*
Invest for indicative 3-year term with monthly principal and interest repayments
5-year income
Earn up to 7% p.a.*
Invest for indicative 5-year term with monthly principal and interest repayments
Smart investing made easy
Invest in loans to creditworthy borrowers from across Australia.
Take advantage of compounding interest by automatically reinvesting your principal and interest.
Funds earmarked for something special? You may be able to take advantage of our early access feature.
The Provision Fund, our secret sauce
Plenti offers a unique, additional buffer to help manage risk for fixed income investors. Plenti borrowers pay a fee into the Provision Fund, a pool of funds held in cash by a separate trustee. In the event a borrower misses a repayment or defaults on their loan, the Provision Fund can step in to protect investors.
Whilst the Provision Fund has a 100% track record of protecting investors, it is not a guarantee and you should read the PDS before making an investment decision.
$16m
Current provision fund balance
200%+
Current provision fund coverage
Invest in a greener tomorrow
Invest in Australian consumers' growing demand for renewable energy in the form of green loans to creditworthy borrowers.
Get matched to a portfolio of green loans used to fund solar, home battery and clean energy installations.
Help everyday Australians reduce their energy bills through the installation of solar, home battery and energy-efficient technology in the home.
With the highest rates of solar adoption worldwide, solar adoption in Australian homes continues to grow.
Investment risk and the Plenti Lending Platform
As with every investment, investing with Plenti is not without risk.
No deposit guarantee
Your investment is not a deposit and does not have the benefit of depositor protection laws as it would have if it were an amount deposited with an Australian ADI.
Borrower late payment or default
Borrower default impact on the availability of funds
We're Australia's most 5-star rated lender
So it's no surprise our investors love us too.
"Plenti is very transparent with the interest rates you will get for your money. Their platform make it easy to use, whether you want to reinvest or withdraw your funds to your bank account. Customer service is local and friendly. Very satisfied with this company." -Elvira, investor
"Received very high interest rates for years, customer service is local and very efficient. Referral bonuses are a great way to make extra money too. I'll be happy to stay with Plenti for years." -Daniel, investor
"My customer service was well above average. I did not receive any unexpected costs. I am satisfied with the rate I got. The best part is how responsive the team are with their emails." -Benjamin, investor