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Compare Personal Loan Rates

Transform your big ideas into reality.

Compare interest rates to find out which Plenti loan is right for you.

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Interest rates from
6.17
%
p.a.
Comparison rate*
6.17
%
p.a.

We've helped over 110,000 Australians bring their ideas to life with a low rate loan. And we're just getting started.

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.) 6.17% - 24.09% 7.19% - 11.99% 6.69% - 12.49%
Comparison Rate* 6.17% - 25.08% 7.82% - 12.65% 7.31% - 13.15%
Credit Assistance Fee $0 - $599 $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
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The information contained in this table above are current as at 13 October 2025 and subject to change without notice. This table will be updated periodically to allow you to continue to compare personal loan rates.

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Personal loan interest rates explained

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.

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