Plenti
Plenti Personal Loan
Plenti · pers loans
Provider last updated this product 2026-09-09.
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.
As published by the lender
- Headline rates - from 0.20% to 24.09%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 5.95% | 5.95% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 24.09% | 25.16% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 5.85% | 5.85% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 5.80% | 5.80% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| 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. | |||||||
| DISCOUNT | 0.20% | - | OTHER | PRINCIPAL AND INTEREST | - | - | - |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Credit Assistance Fee | UPFRONT | - | 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. |
| Expedited Loan Transfer Fee | EVENT | $40 | Optional fee charged if borrower uses the Expedited Loan Transfer service to receive same-day funds |
| Arrears Fee | OTHER | - | A fee which is payable weekly while the loan account is in arrears, with the amount as specified in your loan contract. |
| Variation Fee | VARIATION | $30 | 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. |
| Direct Debit Dishonour Fee | DISHONOUR | $25 | Payable where a direct debit repayment is dishonoured. |
| Account Management Fee | PERIODIC | $0 | Also known as a monthly fee, $0 when you apply directly with Plenti. Fees may apply for other distribution channels. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 0.20% |
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
- Get a rate estimate with no impact on credit score.
Who can apply
- min age - 18Must be 18 years or older
- min income - 25000.00Must earn over $25,000 per year from a verifiable, regular income source
- residency status - Must be an Australian resident
- natural personIndividual borrowers only
- otherMust hold an Australian bank account capable of direct debit
- otherMust have an email address and Australian mobile number
Limits
- max limit - 75000.00Maximum 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.
- min limit - 2001.00Minimum loan amount $2,001
- otherLoan terms range from 6 months (P6M) to 7 years (P7Y).
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: 2026-09-09T00:28:10Z · Product ID: a97d2248-bff3-4563-a07a-0eb49a864d4f