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Compare Plenti Personal Loans in Australia

With Plenti (ex RateSetter), you can experience the beauty of borrowing using a lending system powered by peers and technology. If you’re budget-conscious, give our calculator a spin to find the best repayment estimate for you. Check out Plenti personal loans 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 $8,000-$50,000. 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. Comparison rate can vary from 5.95% to 17.95%

Overview

Minimum loan amount$8,000

Maximum loan amount$50,000

Minimum term (years)1.5 years

Maximum term (years)7 Years

Personal loan interest rates (base)5.95%

Personal loan comparison rate5.95%

Monthly repayments (approx)$303

Total repayments (approx)$10,943

Total interest repayments (approx)$943

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Now Finance

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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OurMoneyMarket offer competitive low rates on loans up to $50,000, plus free extra repayments and fee-free redraw facility.

Overview

Minimum loan amount$2,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)7 Years

Personal loan interest rates (base)6.29%

Personal loan comparison rate6.54%

Monthly repayments (approx)$313

Total repayments (approx)$11,274

Total interest repayments (approx)$1,274

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of30/04/2021

GO TO OurMoneyMarket

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Fast and easy online application. Money can be in your account same-day. Flexible repayments with no early exit fees. Comparison interest rates from 7.64% to 13.32% p.a.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

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BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 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.

Need help choosing the right loan?

Get a multi award-winning personal loans broker, to help select the right loan for you.

Australia-wide personal loans completed online or via the telephone (no need for any face-to-face meetings).

Monday to Friday, 9am – 6pm AESTs

An account manager will contact you within 3 hours of your enquiry.

Call 1300 884 355
What type of loan are you looking for?

Plenti personal loans – Find a fairer & faster way to borrow

Plenti, (previously known as Ratesetter), has set up its own world of lending – separate from the big banks – and it’s been thriving on the Australian financial services market since 2014.

This 100% online lender has given out more than a billion dollars to over 60,000 borrowers. If you’ve got a dream to finance, be it a wedding, holiday, or cosmetic surgery procedure, then read this Plenti personal loan guide before deciding whether to join the bandwagon.

Main details about Plenti personal loans

  • Amounts – Between $2,001 and $50,000
  • Loan terms – Between 6 months and 5 years
  • Interest rate – Varies depending on your individual circumstances and other factors
  • Type of loans – Plenti offers both secured and unsecured personal loans
  • Benefits – Plenti offers competitive rates compared to other Aussie lenders.
  • Drawbacks – The product does not come with a redraw facility.
  • Best for – Borrowers with good credit who are looking for better rates than what’s available elsewhere.

Types of loans offered by Plenti

Plenti offers unsecured personal loans at rates that are more competitive than other leading lenders like the Big Four. You can borrow between $2K and $5K and repayment periods range from 6 months to 7 years. Plenti also offers personal loans for a specific purpose, for instance:

During the application process, you also get more loan purpose options such as weddings, repairs, rental bonds, medical, investment, plus more.

If you’re thinking of hitting the road, Plenti car loans are available at an even lower rate. This option lets you borrow between $2K and $100K and repay it over 5 years maximum.

Features and benefits of Plenti personal loans

  • According to Plenti, any information you provide is secure and safe from unauthorised access.
  • Only monthly repayments are available (through direct debit). Use our Plenti personal loan calculator to see what your repayments could look like.
  • Plenti doesn’t charge early repayment fees or penalties. This allows you to make extra repayments or pay your loan at an earlier date in full any time you like. An early payout means you save on interest.
  • When you log into your Plenti account, you’ll be able to change due dates, update your details, top up your loan, or increase your repayment amount.
  • If you’re having trouble making loan repayments, you can apply for financial hardship assistance to reduce your monthly repayment amount.
  • You can also choose to refinance if you meet the eligibility criteria.

Rates, fees, and charges

Plenti personal loan rates vary depending on the borrower. Your interest rate is a combination of the amount you want, your chosen repayment period, your credit history, and the current rates on the market.

Plenti charges a once-off Credit Assistance Fee. You may also pay a Risk Assurance Fee depending on your credit profile. There are no monthly fees, extra repayment fees, or break costs if you pay off your entire debt early.

Eligibility criteria

Qualifying for a Plenti personal loan requires the following:

  • Be at least 21 years of age
  • Be a permanent Australian citizen
  • Provide proof of income showing regular earnings, and details about your bank account, expenses, and liabilities
  • Have a good credit history
  • Provide your driver’s licence
  • If you’re self-employed, you’ll need to have been in your current role for at least 12 months. You must also provide recent individual tax returns and your notice of assessment from the ATO.

Applying for a Plenti personal loan online

  • Go up the page to BestFind’s comparison table and click “Go to Site” for the product you want.
  • Before you apply, spare 1 minute to get your RateEstimate. This personalised quote won’t affect your credit score.
  • Once you know what you qualify for and are happy about it, fill in the loan application form and send it on its way. This only takes 5 minutes.
  • Plenti will consider your employment details, income, and expenses along with the financial history documents you supply and information from credit bureaus before they give you an answer.
  • Approval takes around two business days, and if you’re successful, all you have to do is accept your offer to get funds in your account within one or two business days.

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