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Plenti Unsecured Personal Loan (Fixed)

Advertiser disclosure
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a fixed loan between $5,000 and $40,000
The details shown below are for a fixed loan between $5,000 and $35,000
The details shown below are for a fixed loan between $5,000 and $30,000

Choose the version of this loan that suits you best

Loan type Name Min loan amount Max loan amount
Fixed Personal Loan (Unsecured, Fixed, Exceptional Credit) $5,000 $50,000
Fixed Personal Loan (Unsecured, Fixed, Excellent Credit) $5,000 $50,000
Fixed Personal Loan (Unsecured, Fixed, Very Good Credit) $5,000 $50,000
Fixed Personal Loan (Unsecured, Fixed, Good Credit) $5,000 $40,000
Fixed Personal Loan (Unsecured, Fixed, Average Credit) $5,000 $35,000
Fixed Personal Loan (Unsecured, Fixed, Below Average Credit) $5,000 $30,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $40,000
  • Loan: $5,000 $35,000
  • Loan: $5,000 $30,000
Interest rate from
6.57% p.a.
Comparison rate from
6.57% p.a.based on $10,000
over 3 years
Upfront fee
$295.00
Interest rate from
7.99% p.a.to 8.99% p.a.
Comparison rate from
7.99% p.a.to 10.65% p.a.based on $10,000
over 3 years
Upfront fee
$295.00
Interest rate from
9.99% p.a.to 12.79% p.a.
Comparison rate from
11.66% p.a.to 14.49% p.a.based on $10,000
over 3 years
Upfront fee
$595.00
Interest rate from
12.49% p.a.to 14.99% p.a.
Comparison rate from
15.20% p.a.to 16.71% p.a.based on $10,000
over 3 years
Upfront fee
$595.00
Interest rate from
14.99% p.a.to 17.99% p.a.
Comparison rate from
17.22% p.a.to 20.75% p.a.based on $10,000
over 3 years
Upfront fee
$595.00
Interest rate from
19.99% p.a.to 24.09% p.a.
Comparison rate from
21.76% p.a.to 26.28% p.a.based on $10,000
over 3 years
Upfront fee
$595.00

Mozo editorial review Plenti Unsecured Personal Loan (Fixed) - last updated: 16 January 2024

binocular icon
What's hot
  • Competitive fixed rates from 6.57% p.a. (6.57% p.a. comparison rate*)
  • Offers tiered-based rates - so better interest rates are available for borrowers with a better credit rating
What's not
  • 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 competitive tier-based fixed rates from 6.57% p.a. (6.57% p.a. comparison rate*) depending on your credit score on loans between $5,000 and $50,000 and with 1 to 7 year loan terms, look no further than the unsecured Plenti Fixed Personal Loan.

key icon
Key features

The Plenti Fixed Personal Loan hits the ground running with competitive fixed rates from 6.57% p.a. (6.57% p.a. comparison rate*) to a max of 24.09% p.a. (26.28% p.a. comparison rate*) on amounts from $5,000 to $50,000 and flexible 1 to 7 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 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.

snapshot
Who is it good for

Take pride in keeping your credit report in good shape? Then the Plenti 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. Plus, it is unsecured so there is no need to put up any assets against the loan. 

question icon
Any catches

An upfront fee will apply, with the amount varying depending on your credit score and how much you want to borrow. On top of this, there’s also a $30 late payment fee if you fall behind on your repayments.

Details

Rates and fees information correct as at 19 March 2024. 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

6.57% p.a. fixed

6.57% p.a.based on $10,000
over 3 years

Fees

$295.00

$0.00

$25.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

1 Year

7 Years

Unsecured

Features

-

Monthly

yes

no

Displayed interest rate is for customers with an exceptional credit history. Application fees vary between $0 and $295 depending on the loan amount.

none

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 19 March 2024. 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

7.99% p.a.to 8.99% p.a. fixed

7.99% p.a.to 10.65% p.a.based on $10,000
over 3 years

Fees

$295.00

$0.00

$25.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

1 Year

7 Years

Unsecured

Features

-

Monthly

yes

no

Displayed interest rate is for customers with an excellent credit history. Application fees vary between $0 and $295 depending on the loan amount.

none

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 19 March 2024. 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

9.99% p.a.to 12.79% p.a. fixed

11.66% p.a.to 14.49% p.a.based on $10,000
over 3 years

Fees

$595.00

$0.00

$25.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

1 Year

7 Years

Unsecured

Features

-

Monthly

yes

no

Displayed interest rate is for customers with a very good credit history. Application fees vary between $195 and $545 depending on the loan amount.

none

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 19 March 2024. 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

12.49% p.a.to 14.99% p.a. fixed

15.20% p.a.to 16.71% p.a.based on $10,000
over 3 years

Fees

$595.00

$0.00

$25.00

$0.00

$0.00

Other financial bits

$5,000.00

$40,000.00

1 Year

7 Years

Unsecured

Features

-

Monthly

yes

no

Displayed interest rate is for customers with a good credit history. Application fees vary between $195 and $595 depending on the loan amount.

none

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 19 March 2024. 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

14.99% p.a.to 17.99% p.a. fixed

17.22% p.a.to 20.75% p.a.based on $10,000
over 3 years

Fees

$595.00

$0.00

$25.00

$0.00

$0.00

Other financial bits

$5,000.00

$35,000.00

1 Year

7 Years

Unsecured

Features

-

Monthly

yes

no

Displayed interest rate is for customers with an average credit history. Application fees vary between $195 and $595 depending on the loan amount.

none

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 19 March 2024. 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

19.99% p.a.to 24.09% p.a. fixed

21.76% p.a.to 26.28% p.a.based on $10,000
over 3 years

Fees

$595.00

$0.00

$25.00

$0.00

$0.00

Other financial bits

$5,000.00

$30,000.00

1 Year

7 Years

Unsecured

Features

-

Monthly

yes

no

Displayed interest rate is for customers with a below average credit history. Application fees vary between $195 and $595 depending on the loan amount.

none

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
Price
Features
Customer service
Convenience
Trust

About Plenti

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NOW Finance

Unsecured Personal Loan

6.75% p.a.to 26.95% p.a.

6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years

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Harmoney

Unsecured Personal Loan

5.76% p.a.to 24.03% p.a.

6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years

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OurMoneyMarket

Low Rate Personal Loan

6.57% p.a.to 8.48% p.a.

7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years

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Jacaranda Finance

Express Personal Loan

14.95% p.a.to 27.95% p.a.

29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years

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Harmoney

Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years

Thumbnail icon for OurMoneyMarket
OurMoneyMarket

Debt Consolidation

6.57% p.a.to 18.99% p.a.

7.19% p.a.to 19.39% p.a.based on $30,000
over 5 years

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loans.com.au

New Car Loan - Special

8.29% p.a.

9.40% p.a.based on $30,000
over 5 years

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Jacaranda Finance

Express Personal Loan

14.95% p.a.to 27.95% p.a.

29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years

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loans.com.au

Clean Green Car Loan

7.29% p.a.

8.41% p.a.based on $30,000
over 5 years

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NOW Finance

Unsecured Personal Loan

6.75% p.a.to 26.95% p.a.

6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Unsecured Personal Loan

5.76% p.a.to 24.03% p.a.

6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years

Thumbnail icon for OurMoneyMarket
OurMoneyMarket

Low Rate Personal Loan

6.57% p.a.to 8.48% p.a.

7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years

Thumbnail icon for Jacaranda Finance
Jacaranda Finance

Express Personal Loan

14.95% p.a.to 27.95% p.a.

29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years

Thumbnail icon for NOW Finance
NOW Finance

Unsecured Personal Loan

6.75% p.a.to 26.95% p.a.

6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years

Thumbnail icon for NOW Finance
NOW Finance

Unsecured Personal Loan

6.75% p.a.to 26.95% p.a.

6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Unsecured Personal Loan

5.76% p.a.to 24.03% p.a.

6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years

Thumbnail icon for OurMoneyMarket
OurMoneyMarket

Low Rate Personal Loan

6.57% p.a.to 8.48% p.a.

7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Unsecured Personal Loan

5.76% p.a.to 24.03% p.a.

6.55% p.a.

$0.00

Thumbnail icon for Harmoney
Harmoney

Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.

$0.00

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