PlentiPlenti Car Loan (Secured)
A secured loan that allows individuals to borrow funds for the purchase or refinance of an eligible vehicle, including new and used cars. The information set out below relates to an application made directly with Plenti unless otherwise noted. Credit subject to approval.
At a glance
- Fixed
- 7.99%9.78% comparison
- Loan size
- $5,000 to $150,000
- Monthly fee
- $14.90
Rates
Every rate Plenti publishes for this personal loan, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Discount | P&I | - | - | 0.20% | - | Discount applies to invited applicants to reduce the standard loan rate. Not available with any other discount. |
| Discount | P&I | - | - | 0.50% | - | Plenti offers a rate reduction of 0.5% p.a. off the base rate for those financing new electric vehicles up to $90,000 through our collaboration with the Clean Energy Finance Corporation |
| FixedThis is the minimum rate available for direct to Plenti applicants. The actual rate received depends on a number of criteria including credit profile and the asset being financed. An indicative rate… | P&I | 7 yrs fixed | - | 7.99% | 9.78% | - |
| FixedThis is the maximum rate applicable for direct to Plenti applicants. The actual rate received depends on a number of criteria including credit profile and the asset being financed. An indicative rate… | P&I | 7 yrs fixed | - | 12.99% | 14.75% | - |
Fees
6 fees published, grouped by when they're charged.
- When you take it out$199 to $1,000Credit Assistance Fee
- While you hold it$14.90 a monthAccount Management Fee
- When you close it or pay it offNo fee published
When you take it out1
- Credit Assistance Fee
Estimated fee disclosed during the rate estimate, and as set out in your loan contract.
$199 to $1,000
While you hold it1
- Account Management Fee
Also known as the monthly fee, this fee may be reduced to $0 for existing Plenti borrowers
$14.90 a month
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.
$0 to $20
Features
- A balloon payment option may be available through some distribution channels
- Get a rate estimate with no impact on credit score
Eligibility and limits
- Minimum age 21
- Residency: Must be an Australian resident
- Minimum income $32,000
- Available to individuals
- Amount $5,000 to $150,000
- Applicants must have a valid email address and Australian mobile number
- Must hold an Australian bank account capable of direct debit
- The vehicle must not be used for the predominant purpose of rideshare, other taxi services, or as a permanent residence
- Loan terms range from 2 years (P2Y) 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 28 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.