Personal Loans
Transform your big ideas into reality
Your goals, your terms. Borrow up to $75,000 with a loan that’s tailored to you.
Quick rate estimate in as little as 60 seconds. Apply in 10 Minutes. Enjoy funds in as little as 24hrs from approval.
We're a multi-award winning personal lender
What is an unsecured personal loan?
An unsecured personal loan means that you don’t have to provide any security for your loan. This can result in a quicker and easier application and funding process, since you won’t need to provide us with details of the asset you’re using as security (e.g. a car).
You can use an unsecured loan for a range of purposes such as taking a holiday, making some improvements to your home, or consolidating debt.
Why Choose a Plenti Personal Loan?
Personalised rates
Our rates reward your good credit history.
Fast and Easy Application
Fast Funds
Get your funds in as little as 24 hours after approval.
Borrow up to $75,000
Without having to provide an asset as security.
Unsecured Personal loan repayment calculator
Find out how much your loan repayments could be with a Plenti unsecured personal loan.
Applying for a Plenti unsecured personal loan is easy
Get your rate
1 minute, 10 simple questions. It's all we need to estimate the rate on your personal loan.
Apply in minutes
Complete your quick and easy application, all online.
Get your funds quickly
Once approved and accepted we’ll transfer your funds which could take as little as 24hrs.
What can I use an unsecured personal loan for?
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.
See how our rates stack up
Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)
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 5 February 2026. Plenti’s comparison rate is based on a $30,000 unsecured personal loan repaid over a loan term of 5 years. More information about this comparison tool
A 5-star experience from start to end
Turn your somedays into today with an award-winning* fintech lender.
Your questions answered
Applying for a personal loan
Complete your online application in 3 easy steps:
- Get your rate estimate - Answer 10 quick questions to see your personalised interest rate estimate in as little as 60 seconds, without impacting your credit score.
- Submit your application - This can be done in as little as 10 minutes. Once we have received all relevant documents, you could be approved in as quickly as 1 business day. If needed, we'll contact you for further information.
- Get your funds - Once approved and accepted, you can receive your funds in as little as 24 hours.
To qualify for a Plenti personal loan in Australia, you must meet the following criteria:
- Age: 18 years or older
- Citizenship: Australian citizen or permanent resident
- Income: earn over $25,000 annually from a verifiable, regular income source
- Credit history: maintain a good credit history
When applying for a Plenti personal loan, you'll typically need the following documents:
- Proof of Identification: An Australian driver's license or passport
- Income Verification: Bank statements, or tax returns to demonstrate your income if you are self-employed.
You can use Plenti’s personal loan calculator to find out your estimated loan repayments.