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Compare Plenti Car Loans in Australia

Borrowing to buy a car bumps up overall costs. But Plenti car loans can lighten the pinch on your wallet. That’s because Plenti (previously Ratesetter) uses technology to reduce lending costs so that it can offer lower rates to customers. Plus, if your credit score is top-tier, that low rate just got even lower.

Start unlocking this great deal by comparing options and calculating repayments below.

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Pay ZERO fees^ on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $15,000-$100,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. ^Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan.

Overview

Application / establishment fees$0

Minimum loan amount$15,000

Maximum loan amount$100,000

Minimum term1.5 years

Maximum term7 Years

Car loan interest rates (base)4.45%

Car loan comparison rate4.45%

Monthly repayments (approx)$558

Total repayments (approx)$33,516

Total interest repayments (approx)$3,516

Rate typeFixed

Secured or unsecuredYes

GO TO Now Finance

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Exit / early repayment feeYes

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone1300 275 669

Data accurate as of21/02/2021

GO TO Now Finance

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There's nothing quite like the thrill of buying a car, but one of the biggest challenges is finance. Ideally you'll want a car loan that offers flexibility and a low competitive rate, and is easy to apply for.

Overview

Application / establishment fees$399

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)4.99%

Car loan comparison rate5.69%

Monthly repayments (approx)$566

Total repayments (approx)$33,960

Total interest repayments (approx)$3,960

Rate typeFixed

Secured or unsecuredSecured

GO TO NRMA

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$205 or 2% of outstanding balance (whichever the greater) at the time the final payout is made. Applies in the first three quarters of the original loan term only.

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredYes

Telephone1300 732 398

Data accurate as of12/08/2020

GO TO NRMA

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A quick and easy, 100% online application. No printing. No paper. No fuss. No monthly account keeping fees, no exit fees and no early repayment fees.

Overview

Application / establishment fees$250

Minimum loan amount$2,001

Maximum loan amount$75,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)5.35%

Car loan comparison rate5.65%

Monthly repayments (approx)$570

Total repayments (approx)$34,257

Total interest repayments (approx)$4,257

Rate typeFixed

Secured or unsecuredSecured

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$27

For used vehiclesYes

SponsoredYes

Telephone1300 990 115

Data accurate as of30/04/2021

GO TO OurMoneyMarket

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NRMA used car loans can help you get one step closer to owning your dream pre-loved car.

Overview

Application / establishment fees$399

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)6.24%

Car loan comparison rate6.94%

Monthly repayments (approx)$583

Total repayments (approx)$35,000

Total interest repayments (approx)$5,000

Rate typeFixed

Secured or unsecuredSecured

GO TO NRMA

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$205 or 2% of outstanding balance (whichever the greater) at the time the final payout is made. Applies in the first three quarters of the original loan term only.

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone1300 732 398

Data accurate as of12/08/2020

GO TO NRMA

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 19.07% p.a. Total interest repayments vary between $4,290 and $14,531 over the life of the loan. *Comparison rate is based on an unsecured loan of $30,000 for a term of 5 years. 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. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

What type of car loan are you looking for?

Plenti car loans – Apply to get your new wheels rolling

Plenti car loans come with low rates to begin with. But if your credit history is impeccable, you can pile on more savings. According to Plenti, it has helped thousands of Aussies move forward, and there’s no denying its low-rate car loan offers one of the best opportunities to move forward. Whether you want a new ride to drive to work, take on a pleasure trip, or simply get from point A to B, Plenti can put you behind the wheel.

So, how do Plenti car loans work? Here’s your question answered, plus more.

Plenti car loans in a nutshell

Plenti car loans are an online-only financial product. Loan amounts range between $2,001 and $100,000, and loan terms are 3, 5, or 7 years. The fixed rate starts from 4.89% p.a. Keep in mind, these are secured car loans, so your vehicle will be at risk of repossession if you default.

  • What’s good? – There are no ongoing monthly fees. Additionally, you can make extra repayments and exit your loan at an earlier date without penalty.
  • What’s bad? – There’s a one-time Credit Assistance Fee, starting from $249. Also, when you make extra repayments, there’s no redraw facility to access them.
  • Uses – Suitable for buying new and used cars less than seven years old. Plenti personal loans are also available if you need unsecured credit of up to $45,000.
  • Best for – Anyone with a good credit score, since Plenti uses a personalised rate system that offers a lower rate, the better your credit score gets.

Features of Plenti car loans

  • Free car loan quote. Plenti offers a free rate estimate that you can get in less than a minute and which won’t affect your credit score. While on the subject of estimates, you can also use our Plenti car loan calculator to find an affordable monthly repayment.
  • Fast turnaround time. Plenti says successful loans are finalised within two days, and once you accept the offer, you could have the money in your account on the next business day.
  • Early repayments. You can pay off your loan faster than agreed. Making additional loan repayments means you can offload your debt quickly and trim borrowing costs.
  • Low rates, fewer fees. Plenti doesn’t charge ongoing fees, extra repayment fees, or exit fees. However, other fees and charges may apply, so read that fine print before signing up for any loan.

What you need to qualify

  • Be at least 21 years of age
  • Have Australian citizenship or permanent residency
  • Have a good credit score
  • Earn a regular income
  • Provide an Australian driver’s licence

How to apply

To apply for a Plenti car loan via BestFind, head up to our comparison table above. Click the “Go to Site” button for your product to visit Plenti’s website. From there, there are only four steps between you and the open road.

  • Get a rate estimate. Plenti will ask you some questions, then use this info to offer you a personalised rate. The process won’t take more than a minute.
  • Complete the online application. If your personalised rate sounds good, fill in the online application form or pre-approval request. This can be done in under 10 minutes.
  • Take care of the final details. Once Plenti pre-approves your loan, it’s time to arrange your purchase and finalise the settlement process online.
  • Receive money in your bank account. With the process complete, all you need to do is accept your loan, and Plenti will transfer the funds by the next business day.

Be sure to consider all your options before applying for any car loan. Compare things like interest rates, fees, and charges, as well as other key features to ensure you’re getting a deal that matches your needs and budget.

Car loan refinance with Plenti

Saddled with an expensive car loan? Switching to a low-rate Plenti car loan might help things. That’s because interest rates start from as low as 5.29% and go up to 9.99%, depending on the state of your credit history. You can refinance between $10,000 and $100,000, and loan terms can be 3, 5, or 7 years.

Cars up to 7 years old are acceptable, and you can borrow up to 120% of the car’s value. The bonus? There are no monthly or early repayment fees, so making the switch makes even more sense if you’re looking to pay less overall.