Car repair loans

For when you need help getting back on the road

Fast Funds and Easy Application

Interest rates from
6.28
%
p.a.
Comparison rate*
6.28
%
p.a.

Quick rate estimate in as little as 60 seconds. Easy application in 10 Minutes. Enjoy Funds as in as little as 24hrs from approval.

A great rate, made for you

Receive your personalised rate

Get your obligation-free rate in just 60 seconds without affecting your credit score.

Complete your application online

Complete your application online - submit documents securely, track progress and chat with us.

Get your funds quickly

Receive your funds in as little as 24 hours after approval.

We're a multi-award winning personal lender

With our simple application process, you can enjoy a stress-free personal loan experience that suits your needs.

Borrow up to $50,000

1-7 year loan terms

Fast funds in as little as 24hrs from approval

$0 early repayment fee

$0 monthly fee

Personalised interest rate

Eligibility criteria

You should be at least 18 years or older

You should be an Australian citizen or permanent resident.

Maintain a good credit history

Earn over $25,000 annually from a verifiable, regular income source

General

How do personalised interest rates work?

When you apply for a Plenti Personal Loan you’ll get a personalised interest rate based on your credit history. If you have demonstrated good credit behaviour you may be offered a lower interest rate. On the other hand, if your credit history isn’t very good, you may be offered a higher interest rate.

How much can I borrow for a personal loan?

Plenti offers a personal loan ranging from $5,000 to $65,000. Your borrowing limit can be affected by your credit score and disposable income.

What is the difference between a personal loan and a credit card?

When deciding between a credit card and a personal loan, it's essential to understand their key differences. A personal loan provides a set amount of money with fixed or variable interest rates, making it ideal for larger expenses like home renovations or travel. The expense is broken down into manageable repayments, which helps with budgeting.

In contrast, a credit card allows you to borrow up to a set limit, making it ideal for smaller or everyday purchases. Some credit cards offer an interest-free period if you pay the full balance by the due date. However, if you can only make the minimum repayment each month, any remaining balance will accrue interest, often leading to higher interest charges.

How can I calculate my loan repayments for a Plenti personal loan?

You can use Plenti’s personal loan repayment calculator to find out your estimated loan repayments.

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.

Important information*

This information does not constitute financial advice and you should consider whether it is appropriate to your circumstances before you act in reliance on it. Any opinions, forecasts or recommendations reflect the judgement and assumptions of Plenti as at the date of publication and may later change without notice.

Personal loans‍

*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 16 June 2025. 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 $35,033.88. This represents a comparison rate of 6.28% 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 6.28% p.a. (comparison rate 6.28% 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 16 June 2025. 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 License number 449176  but does not provide credit assistance in relation to all products compared on this page.

Awards and customer reviews

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 15/4/25. Count excludes all major banks.

Our awards are listed at plenti.com.au/about/awards

Acknowledgement of Country

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.