Plenti Zero-Interest Payment Plan
Zero-interest payment plans for the purchase and installation of renewable energy goods or eligible air conditioning units for residential homes. Available through approved Plenti vendor partners. An application fee and ongoing management fee apply; no interest is charged. Credit subject to approval.
- From
- 0%
- Fixed
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 10 years | 0% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Account Management Fee Charged monthly · Capped at $200.00 per 1 year · Also known as the monthly fee. The fee cap refers to the first year and is $125 for subsequent years. The cap applies to the Account Management Fee and the Credit Assistance Fee and applies in aggregate across all Zero Interest Payment Plans between the customer and Plenti. | Ongoing | $8.99 |
| Credit Assistance Fee Capped at $200.00 per 1 year · The fee cap refers to the first year and is $125 for subsequent years. The cap applies to the Account Management Fee and the Credit Assistance Fee and applies in aggregate across all Zero Interest Payment Plans between the customer and Plenti. | Upfront | $90.00 |
| Arrears Fee Capped at $120.00 per 1 year · A fee which is payable while the account is in arrears, with the amount as specified in your payment plan contract. | Late payment | $10.00 |
Features
- Interest-free period — No interest loans
- Extra repayments
- Make additional repayments at any time with no fee
- Digital banking
- Manage your plan online via the Plenti borrower portal
- Instalment plan
- Purchase cost spread into equal interest-free instalments over the agreed plan term.
Eligibility
- Minimum age — 18 yearsMust be 18 years or older
- Residency status — Must be an Australian resident
- Must hold an Australian bank account
- The goods being financed must be renewable energy products on Plenti's approved clean energy products list, or eligible air conditioning units, installed at a residential property
- Individuals only
- Must own (or be purchasing) their own home
- Employment status — Must be employed >25 hours a week, a self-funded retiree or receiving a government pension
- Must have a clear credit file
Constraints
- Maximum limit — $45,000.00Maximum plan amount $45,000
- Minimum limit — $1,001.00Minimum plan amount $1,001
- Plan terms range from 1 year (P1Y) to 10 years (P10Y).
- Applicants must be referred or introduced to Plenti via an accredited third party (typically a renewable energy vendor)
More Information
Published by Plenti under the Consumer Data Right · Last updated 8 July 2026 · Product ID 7118cd1c-ceea-4594-b953-ee23592eb309