Car Loan Refinance
For a fairer, finance experience
Spend less time filling out forms and more time enjoying that new car smell with a new car loan from Plenti.
We've helped finance over 43,000 new and used cars so our customers can enjoy those new wheel feels sooner.
Simple rates, tailored to you
$10K - 100K loan amounts
Fast funds in as little as 24hrs from approval
$0 monthly fee
3-7 year loan terms
$0 early repayment fee
Personalised interest rate
Get a quote with no impact on credit score
Any personal information we hold and transfer about you is always secure
A faster, fairer experience
Tap, swipe, click. Enjoy a completely paperless borrowing experience that’s fast and simple.
Get your rate
1 minute, 10 simple questions. It's all we need to estimate the interest rate on your refinance loan.
Apply in minutes
Complete your car refinancing loan application with just a tap or a click in under 10 minutes.
Settle your loan
Once pre-approved you can arrange your purchase and complete the settlement process online.
Funds are ready
Once approved and accepted funds will be transferred within two days.
Personal Loans for all your big ideas
Car Loans
Get the keys to your dream car
Debt Consolidation Loans
Simplify your finances
Renovation Loans
Turn your house into a home
Boat loans
Cover travel costs for your dream getaway
Wedding loans
Finance your big day
Medical loans
Take charge of your health
Motorbike loans
Finance your new bike
Moving cost loans
Make relocating easy.
A 5-star experience from start to end
Turn your somedays into today with an award-winning* fintech lender.
Your questions answered
A secured car loan is a financing option where the vehicle itself is used as collateral. This type of loan is considered less risky for lenders, often resulting in lower interest rates compared to unsecured loans. If you're looking for a low-risk car loan with favourable rates, a secured car loan might be ideal.
In a secured car loan, you pledge an asset (the car you're buying) to secure the loan. Consequently, they offer lower interest rates. Many lenders accept a variety of assets, but it's common to use the car you're purchasing, provided it meets certain age and value criteria.