---
title: "Plenti Car Loan (Secured) — 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/afcbb40c-ea62-4707-b370-56262b304cbb
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-05T12:35:12Z
---

# Plenti Car Loan (Secured) — 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 secured loan that allows individuals to borrow funds for the purchase or refinance of an eligible vehicle, including new and used cars. The information set out below relates to an application made directly with Plenti unless otherwise noted. Credit subject to approval.

## At a glance

- **From:** 7.49% (9.22% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Discount | 0.2% | — | — |
| Discount | 0.5% | — | — |
| Fixed · 7 years (This is the minimum rate available for direct to Plenti applicants. The actual rate received depends on a number of criteria including credit profile and the asset being financed. An indicative rate is shown following a quote. Assumes monthly repayments.) | 7.49% | 9.22% | — |
| Fixed · 7 years (This is the maximum rate applicable for direct to Plenti applicants. The actual rate received depends on a number of criteria including credit profile and the asset being financed. An indicative rate is shown following a quote. Assumes monthly repayments.) | 12.99% | 14.68% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Account Management Fee — Charged monthly · Also known as the monthly fee, this fee may be reduced to $0 for existing Plenti borrowers | Ongoing | $14.90 |
| Credit Assistance Fee — Estimated fee disclosed during the rate estimate, and as set out in your loan contract. | Upfront | $199.00 – $1,000.00 |
| Direct Debit Dishonour Fee — Payable where a direct debit repayment is dishonoured. | Dishonour | $25.00 |
| 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 | $0.00 – $20.00 |
| Expedited Loan Transfer Fee — Optional fee charged if borrower uses the Expedited Loan Transfer service to receive same-day funds | Event | $40.00 |
| 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 |

## Features

- **Extra repayments** (Make extra repayments at any time with no fee)
- **A balloon payment option may be available through some distribution channels**
- **Digital banking** (Manage your loan online via the Plenti borrower portal)
- **Get a rate estimate with no impact on credit score**

## Eligibility

- **Minimum age** — 21 years (Must be 21 years or older)
- **Residency status** — Must be an Australian resident
- **Individuals only** (Individual borrowers only)
- **Applicants must have a valid email address and Australian mobile number**
- **Must hold an Australian bank account capable of direct debit**
- **The vehicle must not be used for the predominant purpose of rideshare, other taxi services, or as a permanent residence**
- **Minimum income** — $32,000.00 p.a. (Must earn over $32,000 per year net from a regular source of income)

## Constraints

- **Minimum limit** — $5,000.00 (Minimum loan amount $5,000)
- **Maximum limit** — $150,000.00 (Maximum loan amount $150,000 (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 asset types.)
- **Loan terms range from 2 years (P2Y) to 7 years (P7Y).**

## More information from Plenti

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

## Data provenance

- Published by Plenti under the Consumer Data Right
- Product ID: `afcbb40c-ea62-4707-b370-56262b304cbb`
- Last updated by the provider: 5 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/plenti/afcbb40c-ea62-4707-b370-56262b304cbb
- Provider page: https://www.cdrcompare.au/brands/plenti

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/plenti/products/afcbb40c-ea62-4707-b370-56262b304cbb) — 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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