Transform your big ideas into reality.
Compare interest rates to find out which Plenti loan is right for you.
We've helped bring over 9,000 big ideas to life in the last year.
How do I compare personal loan interest rates?
If you’ve started comparing personal loan rates you’ll know there’s more to interest rates than just a percentage. There are fixed and variable rates, comparison rates and sometimes even additional fees and charges. So what do they all mean, how do they stack up and what’s the best personal loan interest rate for you? Read on to find out.
Take a closer look at our rates and fees
| Product | Unsecured Personal Loan | Secured Car Loan | Electric Vehicle Loan |
| Purpose | Transform your big ideas into reality. Borrow up to $65,000 with a loan tailored to you. | The key to you new set of wheels. Borrow up to $100,000 with a secured car loan from Plenti. | Get rewarded for going Green. Plenti offers a rate reduction of 0.5% p.a. for those financing new electric vehicles up to $90,000 through our collaboration with the Clean Energy Finance Corporation (CEFC). |
| Interest Rate Type | Fixed or Variable | Fixed | Fixed |
| Secured Loan | No | Yes | Yes |
| Interest Rate (p.a.) | 6.28% - 24.09% | 7.19% - 11.99% | 6.69% - 12.49% |
| Comparison Rate* | 6.28% - 24.99% | 7.82% - 12.65% | 7.31% - 13.15% |
| Credit Assistance Fee | $0 - $595 | $299 - $849 | $299 - $849 |
| Monthly Account Fee | $0 | $0 | $0 |
| Early Repayment Fee | $0 | $0 | $0 |
| Available Terms | 1-7 year | 3-7 year | 3-7 year |
| Minimum Loan Amount | $5,000 | $10,000 | $10,000 |
| Maximum Loan Amount | $65,000 | $100,000 | $100,000 |
| Repayment Frequency | Monthly | Monthly | Monthly |
| Additional Payments | Yes | Yes | Yes |
| Additional Payment Fee | $0 | $0 | $0 |
| Apply Now | Apply Now | Apply Now |
The information contained in this table above are current as at 16 May 2025 and subject to change without notice. This table will be updated periodically to allow you to continue to compare personal loan rates.
Applying for a Plenti personal loan is easy
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.
Personal loan interest rates explained
Will the interest rate on my loan be fixed or variable?
Your personal loan interest rate may vary depending on the type of loan you apply for. Our Fixed personal loans feature fixed interest rates, so the repayment amount stays the same throughout the life of the loan. These loans can have terms of 3-7 years. On the other hand, variable rate loans have terms of 1-2 years, but your rate could change during the term of your loan.
What is a comparison rate for a personal loan?
How do personalised interest rates work?
How is interest calculated on a Plenti Personal Loan?
How can I calculate my loan repayments for a Plenti personal loan?
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.
Travel 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.