---
title: "Plenti Commercial Flex Loan — Plenti"
description: "Business Loans from Plenti. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/plenti/products/135d9ba8-915e-452b-b29e-dca5d7c3a101
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-05T12:28:12Z
---

# Plenti Commercial Flex Loan — Plenti

> Business Loans from Plenti. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans**

A commercial asset finance product for business customers. Allows extra repayments and reamortisation of the loan repayment schedule at any time. Available for the purchase or refinancing of motor vehicles and commercial trucks via accredited third parties. Credit subject to approval.

## At a glance

- **From:** 7.29% (Fixed)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Discount | 0.5% | — | — |
| Fixed · 7 years (Lowest rate available for finance available directly through certain accredited EV manufacturers where the vehicle is a new EV valued below $90,000. Assumes monthly payments. The actual rate offered may be higher and will be determined by the details provided during your application about the vehicle to be financed. No further discounts apply.) | 7.29% | — | — |
| Fixed · 7 years (Lowest rate generally available, depending on credit criteria and vehicle age. The actual rate offered may be higher and will be determined by the details provided during your application, including your broker details. Option to pay monthly instalments in advance or in arrears.) | 7.89% | — | — |
| Fixed · 7 years (Lowest rate generally available. Assumes monthly payments in advance. The actual rate offered may be higher and will be determined by the details provided during your application, including your broker details.) | 7.89% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Credit Assistance Fee — Establishment/application fee payable on loan settlement where introduced via a broker | Upfront | $500.00 |
| Account Management Fee — Charged monthly · Monthly account management fee, amount as set out in your loan contract | Ongoing | $9.90 – $14.90 |
| Variation Fee — Payable when the contract is requested to be varied. | Variation | $30.00 |
| Discharge Fee — Administration fee payable at the time of account closure. | Exit | $200.00 |
| Direct Debit Dishonour Fee — Payable where a direct debit repayment is dishonoured. | Dishonour | $25.00 |
| Arrears Fee — A fee which is payable while the account is in arrears. | Other | $15.00 |
| Early Termination Fee — For loans over 36 months, a fee equivalent to 2 monthly repayments when terminating within the first 24 months only | Exit | Variable |
| Early Termination Fee —  For loans of 36 months or less, a fee equivalent to 1 monthly repayment when terminating within the first half of the loan term only | Exit | Variable |
| Credit Assistance Fee — Establishment/application fee payable on loan settlement where introduced via an EV partner | Upfront | $499.00 |

## Features

- **Extra repayments** (Additional repayments can be made at any time.)
- **Loan repayment schedule can be reamortised (recalculated) following extra repayments in advance of the required repayments, reducing future periodic repayment amounts once any balloon has been fully paid.**
- **Optional balloon at end of term (depending on selected term).**
- **Low-doc application, no financials required.**

## Eligibility

- **Business customers** (Business entities: sole traders, companies, unit trusts and discretionary trusts. Australian Business Number (ABN) required.)
- **Residency status** — Australian-based business applicants and entities only
- **Guarantor required for all company and trust entity applicants.**
- **ABN registration of at least 1 year and GST registration of at least 3 months required**
- **Vehicle not to be used for ridesharing or leasing**

## Constraints

- **Maximum limit** — $150,000.00 (Maximum loan amount $150,000 for motor vehicles and trucks up to and including 4.5t GVM)
- **Maximum limit** — $250,000.00 (Maximum loan amount $250,000 for trucks over 4.5t GVM . Eligibility criteria applies.)
- **Minimum limit** — $5,000.00 (Minimum loan amount $5,000)
- **Loan terms range from 2 years (P2Y) to 7 years (P7Y)**
- **Maximum eligible asset age at origination is 12 years**
- **At any point in time during the loan, the vehicle age cannot exceed 15 years.**
- **Must be submitted through a Plenti accredited introducer.**

## Data provenance

- Published by Plenti under the Consumer Data Right
- Product ID: `135d9ba8-915e-452b-b29e-dca5d7c3a101`
- Last updated by the provider: 5 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/plenti/135d9ba8-915e-452b-b29e-dca5d7c3a101
- Provider page: https://www.cdrcompare.au/brands/plenti

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/plenti/products/135d9ba8-915e-452b-b29e-dca5d7c3a101) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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