---
title: "Plenti Personal Loan — Plenti"
description: "Personal Loans from Plenti. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/plenti/products/a97d2248-bff3-4563-a07a-0eb49a864d4f
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-05T12:27:11Z
---

# Plenti Personal Loan — Plenti

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

**Personal Loans**

A loan that allows individuals to borrow funds for personal expenses such as home improvements, car purchases, debt consolidation and more. The information set out below relates to an application made directly with Plenti unless otherwise noted. All applications subject to credit approval.

## At a glance

- **From:** 6.02% (6.02% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Discount | 0.2% | — | — |
| Fixed · 7 years (Rate is the minimum applicable for customers introduced via Clearscore. The actual rate applicable to an individual may be higher depending on the applicant's credit profile.) | 6.02% | 6.02% | — |
| Fixed · 7 years (Rate is the minimum applicable for customers introduced via Canstar. The actual rate applicable to an individual may be higher depending on the applicant's credit profile.) | 6.07% | 6.07% | — |
| Fixed · 7 years (This is the minimum standard rate applicable generally for direct to Plenti applicants. The actual rate received may be higher and depends on the applicant’s credit profile. A personalised indicative rate is shown following a rate estimate. Assumes monthly repayments.) | 6.17% | 6.17% | — |
| Fixed · 7 years (This is the maximum standard rate applicable generally for direct to Plenti applicants. The actual rate received depends on the applicant’s credit profile. A personalised indicative rate is shown following a rate estimate. Assumes monthly repayments.) | 24.09% | 25.08% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Credit Assistance Fee — Fees typically range between $0-699 when applying directly with Plenti and are estimated fee disclosed during the rate estimate, and are set out in your loan contract. | Upfront | $0.00 – $3,349.00 |
| Expedited Loan Transfer Fee — Optional fee charged if borrower uses the Expedited Loan Transfer service to receive same-day funds | Event | $40.00 |
| Arrears Fee — A fee which is payable weekly while the loan account is in arrears, with the amount as specified in your loan contract. | Other | $7.00 – $20.00 |
| 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. | Variation | $30.00 |
| Direct Debit Dishonour Fee — Payable where a direct debit repayment is dishonoured. | Dishonour | $25.00 |
| Account Management Fee — Charged monthly · Also known as a monthly fee, $0 when you apply directly with Plenti. Fees may apply for other distribution channels. | Ongoing | $0.00 |

## Features

- **Extra repayments** (Make extra repayments at any time with no fee)
- **Get a rate estimate with no impact on credit score.**
- **Digital banking** (Manage your loan online via the Plenti borrower portal)

## Eligibility

- **Minimum age** — 18 years (Must be 18 years or older)
- **Minimum income** — $25,000.00 p.a. (Must earn over $25,000 per year from a verifiable, regular income source)
- **Residency status** — Must be an Australian resident
- **Individuals only** (Individual borrowers only)
- **Must hold an Australian bank account capable of direct debit**
- **Must have an email address and Australian mobile number**

## Constraints

- **Maximum limit** — $75,000.00 (Maximum loan amount is $75,000 (excluding fees or charges which may be added to the loan). The full maximum loan amount may not be available to all applicants or for all borrowing purposes.)
- **Minimum limit** — $2,001.00 (Minimum loan amount $2,001)
- **Loan terms range from 6 months (P6M) to 7 years (P7Y).**

## More information from Plenti

- [Overview](https://www.plenti.com.au/personal-loans)

## Data provenance

- Published by Plenti under the Consumer Data Right
- Product ID: `a97d2248-bff3-4563-a07a-0eb49a864d4f`
- Last updated by the provider: 5 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/plenti/a97d2248-bff3-4563-a07a-0eb49a864d4f
- Provider page: https://www.cdrcompare.au/brands/plenti

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/plenti/products/a97d2248-bff3-4563-a07a-0eb49a864d4f) — 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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