Plenti Lending Platform
Earn up to 8.0% p.a.* with the Plenti Lending Platform
Diversify your portfolio by investing in consumer loans across Australia.
Take advantage of compounding interest by automatically reinvesting your principal and interest. See important information. Capital at risk. Consider the PDS.
Build your wealth
Investments in loans can be an attractive addition to your portfolio
Investing in consumer credit has historically been dependable because it's tied to everyday and essential purchases like vehicles, home repairs and education. Adding consumer credit to your investment portfolio can help your portfolio achieve returns when other aspects of your portfolio may be in decline.
Everyday investors can access retail lending
Investing in consumer credit with the Plenti Lending Platform can offer attractive long-term returns compared to term deposits and other investments. Previously only banks and select institutional investors could invest in retail lending.
Investment risks apply.
Put your money to work
Learn more about the Plenti Lending Platform's unique offering
Regular source of fixed income
Attractive, stable returns paid monthly.
Select the term and rate that works for you
Invest for terms from one month through to seven years.
Start investing with as little as $10
Boost your account by depositing funds as often as you’d like.
Simple, digital experience
Easily manage your investments online or with our mobile app.
Recurring investments
Set and forget your way to compounding returns with flexible settings to reinvest.
No entry or exit fees
Free to open an account.
No exit fees to withdraw your funds.
Investment terms that work for you
Flex Market
Earn up to 6.5% p.a.
Term: 1 month
Investing in secured and unsecured loans up to 2 years in term to creditworthy consumer and business borrowers.
Plus Market
Earn up to 8.0% p.a.
Term: 3-7 years
Investing in secured and unsecured loans between 3 and 7 years in term to creditworthy consumer and business borrowers.
Green Market
Earn up to 7.0% p.a.
Term: 3-7 years
Investing in secured and unsecured loans for an Approved Energy Product between 3 and 7 years in term to creditworthy consumer and business borrowers.
Notes Market
Earn 8.5% p.a.*
Indicative term: January-March 2028
Investing in a secured loan used to purchase and provide indirect economic exposure to class G1 notes in Plenti’s 2024-2 PL & Green ABS.
The Provision Fund for investors
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.
Current provision fund balance: $9.6m^
Getting started is quick and simple
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.
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
Smart investing made easy
Earn up to 8.0% p.a.*
Invest in loans to creditworthy borrowers from across Australia.
Automatic reinvestments
Take advantage of compounding interest by automatically reinvesting your principal and interest.
Early access
Funds earmarked for something special? You may be able to take advantage of our early access feature.
Your retail lending questions, answered
- How do I start investing?
- How is risk managed?
- What is the minimum investment?
- Who am I lending to?
- What fees are payable?
