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Plenti Unsecured Personal Loan (Fixed)

Advertiser disclosure

The details shown below are for a fixed loan between $2,001 and $50,000

The details shown below are for a fixed loan between $2,001 and $50,000

The details shown below are for a fixed loan between $2,001 and $50,000

Choose the version of this loan that suits you best

  • Loan: $2,001 $50,000

  • Loan: $2,001 $50,000

  • Loan: $2,001 $50,000

Interest rate from
6.49% p.a.to 8.99% p.a.
Comparison rate from
6.84% p.a.to 9.34% p.a.based on $30,000
over 5 years
Upfront fee
$249
Interest rate from
7.79% p.a.to 10.79% p.a.
Comparison rate from
7.84% p.a.to 11.35% p.a.based on $30,000
over 5 years
Upfront fee
$399
Interest rate from
9.49% p.a.to 11.99% p.a.
Comparison rate from
9.78% p.a.to 15.39% p.a.based on $30,000
over 5 years
Upfront fee
$399

Mozo editorial review Plenti Unsecured Personal Loan (Fixed)

Last updated: 17 November 2020.

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What's hot
  • Competitive fixed rates from 6.49% p.a. (6.84% p.a. comparison rate*)
  • Offers tiered-based rates - so better interest rates are available for borrowers with a good credit rating
  • Extra repayments allowed
  • No monthly or early repayment fees
What's not
  • $249 upfront fee for a 3-year term (upfront fee may be higher depending on your application).
  • Monthly repayments only
Mozo snapshot

On the lookout for a personal loan to help pay for a home reno, wedding or another big upcoming cost? Well, with super low fixed rates from 6.49% p.a. (6,84% p.a. comparison rate*) on loans between $2,001 and $50,000 and with 3-5 year loan terms, look no further than the Plenti Unsecured Fixed Personal Loan.

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Key features

The Plenti Unsecured Fixed Personal Loan hits the ground running with competitive fixed rates from 6.49% p.a. (6.84% p.a. comparison rate*) on amounts from $2,001 to $50,000 and flexible 3-5 year loan terms options. Keep in mind that this loan offers tiered-based interest rates, which means, the better your credit score, the better your interest rate.

This personal loan only offers a monthly repayment cycle, which should be fine if you’re paid on a monthly basis, but maybe not if you’re paid weekly or fortnightly.

Being an unsecured loan type, you won’t risk losing your car, house or any other expensive assets as you won’t be required to put up any collateral against the loan.

In addition, the Plenti Unsecured Fixed Personal Loan allows customers to make extra repayments and doesn’t charge any early loan repayment fee. So you’ll be able to pay off your loan as quickly as you like without being penalised for it!

The loan charges a hefty $249 upfront fee for a 3-year term, but keep in mind that the upfront fee could be higher depending on your application. And if you’re late with your repayments, you could cop a $30 late payment fee.

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Who is it good for

Take pride in keeping your credit report in good shape? Then the Plenti Unsecured Fixed Personal Loan could be a great loan option for you thanks to its tiered-based fixed interest rates which rewards credit-worthy borrowers with better rates.

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Any catches

The Plenti Unsecured Fixed Personal Loan comes with a steep $249 upfront fee for a 3-year term, but watch out because the upfront fee could increase depending on your application. On top of this, there’s also a $30 late payment fee if you’re late with your repayments.

Details

Rates and fees information correct as at 28 November 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • Fixed

  • 6.49% p.a.to 8.99% p.a. fixed

  • 6.84% p.a.to 9.34% p.a.based on $30,000
    over 5 years

Fees
  • $249.00

  • $0.00

  • $30.00

  • $0.00

  • $0.00

Other financial bits
  • $2,001.00

  • $50,000.00

  • 3 Years

  • 5 Years

  • Unsecured

Features
  • Monthly

  • yes

  • no

  • Displayed interest rate is for customers with an excellent credit history.

  • Up front fee may be higher than shown depending on your application. Application fee is $149 for a three year term.

WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Details

Rates and fees information correct as at 28 November 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • Fixed

  • 7.79% p.a.to 10.79% p.a. fixed

  • 7.84% p.a.to 11.35% p.a.based on $30,000
    over 5 years

Fees
  • $399.00

  • $0.00

  • $30.00

  • $0.00

  • $0.00

Other financial bits
  • $2,001.00

  • $50,000.00

  • 3 Years

  • 5 Years

  • Unsecured

Features
  • Monthly

  • yes

  • no

  • Displayed interest rate is for customers with a very good credit history.

  • Up front fee may be higher than shown depending on your application

WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Details

Rates and fees information correct as at 28 November 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • Fixed

  • 9.49% p.a.to 11.99% p.a. fixed

  • 9.78% p.a.to 15.39% p.a.based on $30,000
    over 5 years

Fees
  • $399.00

  • $0.00

  • $30.00

  • $0.00

  • $0.00

Other financial bits
  • $2,001.00

  • $50,000.00

  • 3 Years

  • 5 Years

  • Unsecured

Features
  • Monthly

  • yes

  • no

  • Displayed interest rate is for customers with a good credit history.

  • Up front fee may be higher than shown depending on your application

WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Customer Reviews

How are Plenti personal loans rated by the Mozo community?

Overall
3.5/10
Price
5.5/10
Features
4.0/10
Customer service
5.0/10
Convenience
5.5/10
Trust
3.0/10
Plenti

About Plenti

UK-based Plenti is one of the world’s largest peer to peer lenders (P2P) and has lent over $500 million since launching in October 2010. Its goal is to redefine savings and loans in Australia by cutting out the banks and providing more competitive interest rates to consumers.

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