Personal Loans

When your aspirations
need a boost

Transform your big ideas into reality with Plenti's unsecured personal loans, offering low rates that empower your journey.

Interest rates from

6.57

p.a.

Comparison rate*

6.57

p.a.

Interest rates from

6.57

p.a.

Comparison rate*

6.57

p.a.

Quick rate estimate in as little as 60 seconds. Apply in 10 Minutes. Enjoy Funds as in as little as 24hrs from approval.

Features

Personalised rates
reward your good
credit history

With our simple application process, you can enjoy a stress-free personal loan experience that suits your needs.

Monthly fees

Early repayment fees

$5k - $65kLoan amounts

1 - 7 yearsLoan terms

24 hourSettlement

See how our rates stack up

Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)

Interest RatesComparison Rates

Plenti

from 6.57% pa

ANZ

from 7.49% pa

Westpac

from 7.99% pa

CommBank

from 8.00% pa

NAB

from 8.49% pa

Rates as of 15/01/2025.

Excludes any short term promotional rates. View the fine print for important information.

Personal loan repayment calculator

Find out how much your loan repayments could be with a Plenti unsecured personal loan.

Loan amount

Loan term

5 years

Credit history

Example interest rate: 0% p.a.
Comparison rate: 0.0% p.a.*

Estimated monthly loan repayments from

Total repayment (incl. interest and fees)

Get your rate

Repayment calculator: The calculator is designed as a guide only and is not a quotation or an offer of credit. The interest rates and monthly repayment amounts are indicative and based on the credit history selected. The loan amount you can borrow and your personalised interest rate and repayment amount may be different once you complete a loan application.

Process

A faster, fairer borrowing experience

Our simple 3-step process will have you enjoying your funds sooner. Get a rate estimate.

1. Get your rate

1 minute, 10 simple questions. It's all we need to estimate the rate on your personal loan.

2. Apply in minutes

3. Enjoy your funds

Happy couple getting married funded by personal finance

Personal Loan Purposes

Personal loans for all your
big ideas

Debt consolidation loans

Home renovation loans

Reviews

Join the 5-star experience

Don't delay your dreams any longer—trust Australia's most 5-star reviewed personal lender. Your aspirations are our commitment—Plenti Personal Loans, where big ideas find support.

7615-star reviews

2,5265-star reviews

1,6155-star reviews

We're a multi-award winning personal lender

CANSTAR 2023 - Outstanding Value. Excellent Credit Personal Loans

WeMoney winner 2024. Non-bank lender of the year (Personal loans)

RateCity Gold Award 2024. Best excellent credit personal loan

How do personal loans work?

Plenti's personal loans offer a quick, fair, and straightforward process. After submitting an application detailing your financial situation, credit history, and employment, you'll receive a decision notification via email. You'll sign the loan contract through email and text messages if approved. The funds will be directly deposited into your nominated account, allowing you to use them for your specific purpose. Repayments, including principal and interest, will be made through monthly direct debits according to the terms of your loan contract. Factors like your credit history and overall risk profile determine the interest rate.

How much can I borrow for a personal loan?

Plenti offers a personal loan ranging from $5,000 to $65,000, though the actual amount depends on your application and financial circumstances. It's advised to borrow only what you need to avoid unnecessary increases in repayments and total interest paid. In some cases, Plenti may present a 'counter-offer,' providing conditional approval for a lower loan amount that aligns with your affordability, adhering to responsible lending requirements.

Am I eligible for a Plenti personal loan?

To qualify for a Plenti personal loan, you must meet the following criteria:

Age: 18 years or older
Citizenship: Australian citizen or permanent resident
Income: earn over $25,000 annually from a verifiable, regular income source
Credit history: maintain a good credit history

If you're self-employed and uncertain about your eligibility, don't fret. You can apply as long as you have been in your current role for at least 12 months.

How do I apply for a personal loan?

Plenti's personal loan application is straightforward and swift. Begin by determining your desired loan amount and repayment duration. Confirm your eligibility and request a non-binding online rate estimate using the Rate Estimate tool, which won't affect your credit score. If satisfied with the estimate, proceed with the application, where you'll need to verify your identity and income by providing the necessary documents. Plenti exclusively offers unsecured personal loans, eliminating the need for asset or security details during the application. Remember that all applications are subject to credit assessment and eligibility criteria, and terms, conditions, fees, and charges may apply.