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 * Borrow
 * Invest
 * Log In
    * 
      Borrower Portal
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      Investor Portal
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      Partner Portal
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 * Menu
    * Loan Types
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         Personal Loans
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         Car Loans
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         EV Loans
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         Debt Consolidation Loans
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         Holiday Loans
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         Caravan Loans
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         Medical Loans
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         Wedding Loans
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         Funeral Loans
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         Legal Fee Loans
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         Solar and Battery Loans
   
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 * Borrow
 * Invest
 * Log In
 * Menu

 * 
   Borrower Portal
 * 
   Investor Portal
 * 
   Partner Portal
 * 
   Lawyer Portal




 * Loan Types
   Loan Types
    * 
      Personal Loans
    * 
      Car Loans
    * 
      EV Loans
    * 
      Debt Consolidation Loans
    * 
      Renovation Loans
    * 
      Holiday Loans
    * 
      Caravan Loans
    * 
      Medical Loans
    * 
      Wedding Loans
    * 
      Funeral Loans
    * 
      Legal Fee Loans
    * 
      Solar and Battery Loans

 * Investors
   Investors
    * 
      Fixed Income Investments
    * 
      Green Income
    * 
      Shareholders

 * Partners
   Partners
    * 
      Brokers
    * 
      Vendors
    * 
      Lawyers

 * Tools
   Tools
    * 
      Personal loan calculator
    * 
      Car loan calculator

 * Help
   Help
    * 
      Help Centre
    * 
      Borrower Guides
    * 
      Financial Hardship

 * About
   About
    * 
      About Plenti
    * 
      Careers
    * 
      Newsroom







A FASTER, FAIRER WAY TO BORROW OR INVEST

Get where you want to be, sooner


Interest rates from
6.57
%
p.a.

Comparison rate*
6.57
%
p.a.


PERSONAL LOANS

Make your big idea a reality


CAR LOANS

Better journeys, starting today


RENOVATION LOANS

Upgrade your home


INVEST

Earn up to 8.0% p.a.†


WELCOME TO THE HOME OF BIG IDEAS

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FUNDED TO DATE

to bring more than 127,000 big ideas to life with personal, auto and renewable
energy loans

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FIXED INCOME INVESTORS

diversifying their portfolio and earning income through our investment markets†

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5-STAR REVIEWS

across Google, Product Review and TrustPilot - more than any other fintech
consumer lender

BorrowInvest

Need to borrow for your big idea? We’ve funded more than $3 billion in
award-winning, tech-powered loans to Aussies just like you. Your customised rate
estimate is just a few clicks away.

Get your rate

Ready to invest in our innovative, flexible lending platform? So far, our
investors have funded more than $1B in loans to their fellow Aussies, all while
earning attractive returns. See important information. 

Learn more



WHY CHOOSE PLENTI TO BORROW OR INVEST?


GREAT RATES

Attractive rates for both borrowers and investors


FLEXIBLE LOANS

Flexible loans that can be used for almost anything


5-STAR RATED

Australia's most 5-star rated personal lender


SPEEDY PROCESSES

You could get your funds in as little as 24 hours


A 5-STAR EXPERIENCE FROM IDEA TO REALITY


NICHOLAS' PERSONAL LOAN

> "I took out a personal loan with Plenti to travel to NT including the stunning
> Litchfield National Park. Plenti gave me a sharp rate and the process was a
> breeze."
> 
> Nicholas, Queensland


CHELSEA'S INVESTMENT

> "The Plenti Lending Platform is a great set and forget option that has
> diversified my portfolio. I hadn't heard of peer-to-peer lending before, but
> the provision fund gave me peace of mind."
> 
> -Chelsea


JORDAN IN CUSTOMER SERVICE

> "I love working on Plenti's customer service team and having such a direct
> role in helping our borrowers and investors get the best possible Plenti
> experience."
> 
> -Jordan H.


ANGUS' BROKER EXPERIENCE

> "Plenti is our go-to lender for most of our customers, due to their fast
> turnaround times and simple credit policy. Plenti is always responsive from
> approval through to settlement and is able to assist if we need help in
> getting a deal across the line."
> 
> -Angus P.

Get your personalised rate  Apply in 10 minutes and you could get your funds as
soon as the next day. 

Get your rate
Dismiss

IMPORTANT INFORMATION*

*Comparison rate is based on an unsecured personal loan of $30,000 repaid over
60 months. Rates shown assume a customer with an exceptional credit history.
Rates are current as at 13 August 2024. WARNING: This comparison rate is true
only for the examples given and may not include all fees and charges. Different
terms, fees or other loan amounts might result in a different comparison rate.
This estimate is not an offer, quote or approval of finance. The actual
repayment amount and interest rate will be confirmed if an application is
submitted and approved. All applications are subject to credit assessment and
eligibility criteria. Plenti's credit criteria, terms and conditions, fees and
charges apply.

Credit provided by Plenti Finance Pty Limited ABN 82 636 759 861 (supported by
its servicer, Plenti RE Limited ABN 57 166 646 635) or Perpetual Corporate Trust
Limited ACN 000 341 533, Australian Credit Licence number 392673 (as
custodian). Plenti RE Limited holds Australian Financial Services Licence number
449176, Australian Credit Licence number 449176. Both Plenti RE Limited and
Plenti Finance Pty Ltd are members of the Australian Financial Complaints
Authority (AFCA). Plenti’s Target Market Determination is available here.

Representative Example: Based on an unsecured personal loan of $30,000 over 60
months a borrower with an exceptional credit history can expect to pay a total
of $35,278.12. This represents a comparison rate of 6.57% p.a. and includes all
interest and fees included in your loan repayments over the life of the loan.
Plenti personal loans are available for a minimum of 6 months to a maximum of 7
years. Interest rates range from 6.57% p.a. (comparison rate 6.57% p.a.) to
24.09% p.a. (maximum comparison rate 24.99% p.a.).

Comparison Module
Products shown do not represent all rates available from all lenders, or all
rates available from the lenders presented.  Plenti's interest rate is based on
a borrower with an exceptional credit history using rates and fees applicable as
at 13 August. Plenti’s comparison rate is based on a $30,000 unsecured personal
loan, repaid over a loan term of 5 years.

All other interest and comparison rates displayed are the headline rate as
advertised by the respective lender and exclude short-term promotional offers.
Rates are typically updated daily, and you should check the relevant lender's
website for the most up to date information.

The actual product, rates, fees and charges you might be eligible for will be
subject to the respective lender's eligibility criteria and may be different to
the information shown on this page based on your loan term, loan amount and
credit characteristics. You should check the lender’s website for the most up to
date information

Other fees and charges not shown here may apply. Rates shown are subject to
change without notice. Information on this page does not constitute an offer of
credit, or financial advice. Plenti RE Limited  ABN 57 166 646 635 holds an
Australian Credit Licence number 449176  but does not provide credit assistance
in relation to all products compared on this page.


*Terms and conditions apply. The "Earn up to" rate represents the interest rate
limit for each lending market with the maximum lending rate of 8.0% p.a. being
for the Plus Market. Rates are not set by Plenti and are subject to the supply
and demand of borrower and investor funds in each market.

Lender rates may assume payments received are continually reinvested at the
stated rate and assume your investment is protected by the Provision Fund in the
event of any borrower late payment or default, however, there is no guarantee
nor warranty as to any protection from the Provision Fund. The availability of
the early access transfer feature is at Plenti's discretion. Fees and charges
apply. Capital at risk. See the PDS for details.

All figures stated represent the Plenti Lending Platform (ARSN 169 500 449) only
unless stated otherwise.

All 5-star related claims are based on an aggregate count of 5-star consumer
lender reviews across Google, TrustPilot and Product Review. Last count
conducted on 12/03/24. Count excludes all major banks.

Plenti respects and honours Aboriginal and Torres Strait Islander Elders past,
present and future. We acknowledge the stories, traditions and living cultures
of Aboriginal and Torres Strait Islander peoples on this land and commit to
building a brighter future together.

We recognise the Gadigal people of the Eora Nation, who are the traditional
custodians of the land on which Plenti’s Sydney office stands, and the Kaurna
people as the traditional owners of the Country where our Adelaide team is
located.

The information contained on this website should not be taken as financial
product advice and has been prepared as general information only without
consideration for your particular investment objectives, financial circumstances
or needs. You should read the Product Disclosure Statement before making any
investment decision. Plenti RE Limited ABN 57 166 646 635 holds Australian
Financial Services Licence 449176 and Australian Credit Licence 449176. By
accessing or using any part of this website you agree to be bound by our Terms
and Conditions and Privacy Policy. We are required to disclose the Target Market
Determination (“TMD”) for each of our loan products. See our TMD
documentation. We take complaints seriously, to view our complaints management
process see our Complaints page. 

LOAN TYPES

 * Personal Loans
 * Car Loans
 * Debt Consolidation Loans
 * Holiday Loans
 * EV Loans
 * Green Loans
 * Wedding Loans
 * Legal Fee Loans
 * Motorcycle Loans
 * Caravan Loans
 * Auto Refinancing
 * Dental Loans
 * Funeral Loans
 * Education Loans
 * Jet Ski Loans
 * Moving Costs Loans

INVESTING

 * Fixed Income
 * Green Income
 * Provision Fund
 * Investor Notifications
 * PDS
 * Investment Risks
 * iOS App
 * Android App

LEARN

 * Guides
 * Help
 * Brokers
 * Vendors
 * Lawyers
 * Compare Loans
 * Personal Loan Calculator

ABOUT

 * Contact Us
 * About
 * Careers
 * TMD
 * Newsroom
 * Results Centre
 * Executive Team
 * Board of Directors
 * Corporate Governance
 * Shareholders
 * Terms
 * BNPL Code
 * Financial Hardship

 * Complaints
 * Compliance
 * Terms
 * Privacy

 * LinkedIn
 * Twitter
 * 
 * YouTube
 * Apple Store
 * Android Store

© 2024 Plenti Pty Limited. All rights reserved.

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