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Plenti Unsecured Personal Loan

Advertiser disclosure
The details shown below are for a variable loan between $5,000 and $50,000
The details shown below are for a variable loan between $5,000 and $50,000
The details shown below are for a variable loan between $5,000 and $50,000
The details shown below are for a variable loan between $5,000 and $40,000
The details shown below are for a variable loan between $5,000 and $35,000
The details shown below are for a variable 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
Variable Personal Loan (Unsecured, Variable, Exceptional Credit) $5,000 $50,000
Variable Personal Loan (Unsecured, Variable, Excellent Credit) $5,000 $50,000
Variable Personal Loan (Unsecured, Variable, Very Good Credit) $5,000 $50,000
Variable Personal Loan (Unsecured, Variable, Good Credit) $5,000 $40,000
Variable Personal Loan (Unsecured, Variable, Average Credit) $5,000 $35,000
Variable Personal Loan (Unsecured, Variable, 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
14.19% 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
16.71% 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 - last updated: 9 November 2023

binocular icon
What's hot
  • No early repayment fee
  • Competitive tiered interest rates based on your credit score
  • Extra repayments allowed
What's not
  • Loans only available for creditworthy borrowers
Mozo snapshot

Plenti is a technology-led lender that has entered the personal loan market in Australia with a bang by offering highly competitive interest rates and a speedy online application process. Aside from offering great tiered interest rates based on your credit score, there are no early repayment or exit fees.

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Key features

The Plenti Unsecured Variable rate Personal Loan is available for loans from $5,000 to $50,000 (depending on your credit score) over a 1 to 3 year period. Plenti promises you'll get a decision within one business day and in some cases you can expect the funds to reach your account on the same day. And the great thing about an unsecured loan is you don't have to worry about providing assets to secure the loan.

Like other peer to peer platforms, Plenti connects lenders directly with creditworthy borrowers. The rates offered will depend on your credit history:

• Exceptional credit: 6.57% p.a. (6.57% p.a. comparison rate*)

• Excellent credit: 7.99% p.a. - 8.99% p.a. (7.99% - 10.65% p.a. comparison rate*)

• Very good credit: 9.99% - 12.79% p.a. (11.66% - 14.49% p.a. comparison rate*)

• Good credit: 13.49% - 14.99% p.a. (15.20% - 16.71% p.a. comparison rate*)

Average credit: 15.49% - 18.99% p.a. (17.22% - 20.75% p.a. comparison rate*)

 Below average credit: 19.99% - 24.09% p.a. (21.76% - 26.28% p.a. comparison rate*)

You can also ask for an obligation free RateEstimate before applying. This won't impact on your credit score if you decide not to proceed with the application. What’s more, you’ll be able to make extra repayments and won’t have to worry about any monthly fees. Just make sure you stay on top of your monthly repayments, otherwise a $30 late payment fee will apply.

snapshot
Who is it good for

The Plenti Personal Loan is perfect for anyone looking for a low interest rate loan to fund their overseas holiday, new car or home revamp. 


question icon
Any catches

Plenti will only lend to you if you're over the age of 24 and work full time earning over $35,000 a year. You must also have a good credit history for the past 5 years and not have been bankrupt in the past 7 years. Finally, there are a few fees you’ll need to budget for, namely the application fee, which will vary depending on your credit score and how much you're borrowing.

Details

Rates and fees information correct as at 15 April 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

Variable

6.57% p.a.variable

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 15 April 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

Variable

7.99% p.a.variable

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 15 April 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

Variable

9.99% p.a.variable

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 $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 15 April 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

Variable

12.49% p.a.variable

14.19% 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 15 April 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

Variable

14.99% p.a.variable

16.71% 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 15 April 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

Variable

19.99% p.a.variable

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

Latest review of Plenti Unsecured Personal Loan

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

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

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

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loans.com.au

New Car Loan - Special

8.19% p.a.

9.30% 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

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loans.com.au

Clean Green Car Loan

7.69% p.a.

8.80% 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 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

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 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 OurMoneyMarket
OurMoneyMarket

Low Rate Personal Loan

9.14% p.a.to 11.19% p.a.

9.50% p.a.to 11.56% 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

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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