Plenti Personal Loan
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.
- From
- 5.76%
- 5.76% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Discount Discount applies to invited applicants to reduce the standard personal loan rate. | 0.2% | — | — |
| Fixed · 7 years Rate is the minimum applicable for customers introduced via Clearscore before 31 July 2026. The actual rate applicable to an individual may be higher depending on the applicant's credit profile. | 5.76% | 5.76% | — |
| Fixed · 7 years Rate is the minimum applicable for customers introduced via Canstar before 31 July 2026. 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. |
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 Applies for 1 week · A fee which is payable weekly while the loan account is in arrears, with the amount as specified in your loan contract. Ranges between $7 to $20 and is specified in your loan contract. | Late payment | $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. |
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 yearsMust 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 onlyIndividual borrowers only
- Must hold an Australian bank account capable of direct debit
- Must have an email address and Australian mobile number
Constraints
- Maximum limit — $75,000.00Maximum 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 — $2,001.00Minimum loan amount $2,001
- Loan terms range from 6 months (P6M) to 7 years (P7Y).
More Information
Published by Plenti under the Consumer Data Right · Last updated 9 July 2026 · Product ID a97d2248-bff3-4563-a07a-0eb49a864d4f · View Source Data (JSON)