PlentiPlenti Personal Loan
A loan that allows individuals to borrow funds for personal expenses such as home improvements, car purchases, debt consolidation and more. The information set out below relates to an application made directly with Plenti unless otherwise noted. All applications subject to credit approval.
At a glance
- Fixed
- 5.80%5.80% comparison
- Loan size
- $2,001 to $75,000
- Monthly fee
- $0
How it compares
This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 5.80% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | Lowest of 68 |
| Fixed personal loanRepayments stay the same for the term | 5.80% | 5.80%Plenti Personal Loan | 7.96%of 42 institutions | Lowest of 42 |
Rates
Every rate Plenti publishes for this personal loan, 5 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Discount | P&I | - | - | 0.20% | - | Discount applies to invited applicants to reduce the standard personal loan rate for the term of the loan. |
| FixedRate is the minimum applicable for customers introduced via Clearscore. The actual rate applicable to an individual may be higher depending on the applicant's credit profile. | P&I | 7 yrs fixed | - | 5.80% | 5.80% | - |
| FixedRate is the minimum applicable for customers introduced via Canstar. The actual rate applicable to an individual may be higher depending on the applicant's credit profile. | P&I | 7 yrs fixed | - | 5.85% | 5.85% | - |
| FixedThis is the minimum standard rate applicable generally for direct to Plenti applicants. The actual rate received may be higher and depends on the applicant’s credit profile. A personalised indicative… | P&I | 7 yrs fixed | - | 5.95% | 5.95% | - |
| FixedThis is the maximum standard rate applicable generally for direct to Plenti applicants. The actual rate received depends on the applicant’s credit profile. A personalised indicative rate is shown fol… | P&I | 7 yrs fixed | - | 24.09% | 25.16% | - |
Fees
6 fees published, grouped by when they're charged.
- When you take it out$0 to $3,349Credit Assistance Fee
- While you hold itNo feeAccount Management Fee
- When you close it or pay it offNo fee published
When you take it out1
- Credit Assistance Fee
Fees typically range between $0-699 when applying directly with Plenti and are estimated fee disclosed during the rate estimate, and are set out in your loan contract.
$0 to $3,349
While you hold it1
- Account Management Fee
Also known as a monthly fee, $0 when you apply directly with Plenti. Fees may apply for other distribution channels.
No fee
If a payment is late or fails1
- Direct Debit Dishonour Fee
Payable where a direct debit repayment is dishonoured.
$25
When particular things happen2
- Expedited Loan Transfer Fee
Optional fee charged if borrower uses the Expedited Loan Transfer service to receive same-day funds
$40 - Variation Fee
Payable each time a customer asks to move a scheduled repayment to a later date and we agree to such a request. Plenti may agree to waive this fee.
$30
Other fees1
- Arrears Fee
A fee which is payable weekly while the loan account is in arrears, with the amount as specified in your loan contract.
$7 to $20
Features
- Get a rate estimate with no impact on credit score.
Eligibility and limits
- Minimum age 18
- Residency: Must be an Australian resident
- Minimum income $25,000
- Available to individuals
- Amount $2,001 to $75,000
- Must hold an Australian bank account capable of direct debit
- Must have an email address and Australian mobile number
- Loan terms range from 6 months (P6M) to 7 years (P7Y).
Compare it with others
Put this product through a calculator
Published by Plenti under the Consumer Data Right, last changed by them on 9 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.