Plenti
Plenti Zero-Interest Payment Plan
Plenti · buy now pay later
Provider last updated this product 2026-08-05.
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.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 0.00% | - | OTHER | PRINCIPAL AND INTEREST | 120 months | - | paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Account Management Fee | PERIODIC | $8.99 | 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. |
| Credit Assistance Fee | UPFRONT | $90 | 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. |
| Arrears Fee | OTHER | $10 | A fee which is payable weekly while the account is in arrears, with the amount as specified in your payment plan contract. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | $8.99 |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18Must be 18 years or older
- residency status - Must be an Australian resident
- otherMust hold an Australian bank account
- otherThe 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
- natural person
- otherMust 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
- otherMust have a clear credit file
Limits
- max limit - 45000.00Maximum plan amount $45,000
- min limit - 1001.00Minimum plan amount $1,001
- otherPlan terms range from 1 year (P1Y) to 10 years (P10Y).
- otherApplicants must be referred or introduced to Plenti via an accredited third party (typically a renewable energy vendor)
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-08-05T12:44:12Z · Product ID: 7118cd1c-ceea-4594-b953-ee23592eb309