Personal loan repayment calculator

Discover the potential cost of your loan repayments using our intuitive Plenti unsecured personal loan repayment calculator. Just so you know, this tool serves as a guide only, and does not provide a formal quotation or offer a credit. The interest rates and monthly repayment figures are indicative, depending on the chosen credit history. To get your personalised rate, complete a RateEstimate.

It's crucial to recognise that the loan amount you're eligible to borrow, your personalised interest rate, and your repayment amount may differ upon completing a formal loan application. You can use our calculator as an initial step in understanding your financial commitment and let Plenti guide you toward a tailored and transparent lending experience.

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.

Personal Loan Purposes

Personal loans for
all your big ideas

Debt consolidation loans

Home renovation loans

Product Features

Personal rates reward your good credit history

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

Loan amounts ranging from $5,000 to $65,000

Duration of loans ranging from 1 to 7 years

Apply in 10 minutes

Receive funds in as little as 24hrs from approval

Find out information on different loan types below.

💵 $5,000 Personal Loans	💵 $10,000 Personal Loans	💵 $15,000 Personal Loans	💵 $20,000 Personal Loans
💵 $25,000 Personal Loans	💵 $30,000 Personal Loans	💵 $35,000 Personal Loans	💵 $40,000 Personal Loans
💵 $45,000 Personal Loans	💵 $50,000 Personal Loans	💵 $55,000 Personal Loans	💵 $60,000 Personal Loans
💵 $65,000 Personal Loans

What are the repayments on a $5,000 unsecured personal loan?

If you have a good credit history, the repayments on a $5,000 personal loan over 3 years are $174 monthly (including interest and upfront fees). However, spreading them over 5 years could be as low as $117 monthly (assuming an interest rate of 12.49% p.a. / comparison rate of 14.19% p.a.*).

What are the repayments on a $10,000 unsecured personal loan?

If you have a good credit history, the repayments on a $10,000 personal loan over 3 years are $343 monthly (including interest and upfront fees). However, spreading them over 5 years could be as low as $230 monthly (assuming an interest rate of 12.49% p.a. / comparison rate of 14.19% p.a.*).

What are the repayments on a $20,000 unsecured personal loan?

If you have a good credit history, the repayments on a $20,000 personal loan over 3 years are $684 monthly (including interest and upfront fees). However, spreading them over 5 years could be as low as $460 monthly (assuming an interest rate of 12.49% p.a. / comparison rate of 14.19% p.a.*).

What are the repayments on a $40,000 unsecured personal loan?

If you have a good credit history, the repayments on a $40,000 personal loan over 3 years are $1,356 monthly (including interest and upfront fees). However, spreading them over 5 years could be as low as $912 monthly (assuming an interest rate of 12.49% p.a. / comparison rate of 14.19% p.a.*).

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.

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.

Get your personalised rateApply in 10 minutes and you could get your funds as soon as the next day.