Your Finance GuideFind a vetted broker
Specialist

Plenti

ASX-listed non-bank lender established in 2014, with unsecured personal loans, secured car and EV loans, car loan refinance and green loans, applied for online or through accredited brokers. It also delivers the NAB Car Loan under a partnership with NAB.

SydneyFounded 2014Australian Credit Licence 569622

Plenti at a glance

Plenti is a specialist non-bank lender. It offers car loans and personal loans.

We checked Plenti's products and eligibility on its own website on 30 September 2026.

Lender type
Specialist
Bank or non-bank
Non-bank lender (not an ADI)
Credit licence
ACL 569622, Plenti Finance Pty Limited
Lends
Car loans, Personal loans
Headquarters
Sydney

Strengths

  • Personalised rate estimate without affecting your credit score
  • Secured car loans up to $100,000 with no early repayment fee
  • EV loans with a rate reduction on new EVs up to $90,000 through the CEFC
  • Green loans for renewable energy projects over up to 10 years

Watch out for

  • Rates are personalised to your credit history and financial situation
  • Car loan applicants must be 21 or over and earn over $32,000 a year net
  • Applications are online or through a broker; no branches

Plenti loans and products

What Plenti offers in each category, with the features, eligibility and trade-offs we note. Where we captured a current rate from Plenti’s own page in the last 60 days, it is shown with its comparison rate and a link to the source; for the other products, follow the link to Plenti’s rate card.

Plenti car loans

Compare car loans lenders
Secured (new vehicle)

Plenti Secured Car Loan

Headline rate
7.99%
Comparison rate*
9.78%
From Plenti's own page on 10 Oct 2026, Secured car loan, new or demo vehicle, homeowner with exceptional credit: from rate (rates up to 12.99% p.a.); comparison on $30,000 over 60 months including a $14.90 monthly fee.. Source
  • Secured by the vehicle being bought
  • Up to $100,000 over 3 to 7 years
  • $0 early repayment fee
  • New and used cars, from a dealer or a private sale
Eligibility
  • 21 or over; Australian citizen or permanent resident
  • Over $32,000 a year net from a regular income, and a good credit history
Current rate on Plenti's rate card
Secured (used vehicle)

Plenti Secured Car Loan (used car)

  • Used cars from a dealer or a private sale
  • Up to $100,000 over 3 to 7 years
Eligibility
  • 21 or over; Australian citizen or permanent resident
  • Over $32,000 a year net from a regular income, and a good credit history
Current rate on Plenti's rate card
EV / Green

Plenti EV Loan

  • Up to $100,000 over 3 to 7 years
  • Rate reduction on new EVs up to $90,000 through the Clean Energy Finance Corporation
  • Available at the Tesla checkout
Eligibility
  • 21 or over; Australian citizen or permanent resident
  • Over $32,000 a year net from a regular income, and a good credit history
Current rate on Plenti's rate card
Secured (used vehicle)

Plenti Car Loan Refinance

  • Refinance an existing car loan of $10,000 to $100,000
  • 3 to 7 year terms
Eligibility
  • 21 or over; Australian citizen or permanent resident
  • Over $32,000 a year net from a regular income, and a good credit history
Current rate on Plenti's rate card

Plenti personal loans

Compare personal loans lenders
Unsecured

Plenti Personal Loan

Headline rate
5.95%
Comparison rate*
5.95%
From Plenti's own page on 10 Oct 2026, Unsecured personal loan: from rate for exceptional credit (rates up to 24.09% p.a.); comparison on $30,000 over 60 months.. Source
  • Unsecured, up to $75,000
  • Terms up to 7 years
  • $0 monthly fee
Eligibility
  • 18 or older; Australian citizen or permanent resident
  • Over $25,000 a year from a verifiable, regular income, and a good credit history
Current rate on Plenti's rate card

*Comparison rates are calculated on the lender's own example: for home loans usually $150,000 over 25 years, for car and personal loans usually $30,000 over five 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.

What Plenti lends

Plenti offers unsecured personal loans of up to $75,000, with no asset needed as security. It promotes them for debt consolidation, renovations, weddings, medical costs, travel, motorbikes and moving costs. The personal loan page lists terms of up to 7 years and no monthly fee.

Plenti's secured car loans use the vehicle being bought as security, lend up to $100,000 over 3 to 7 years, and have no early repayment fee. It offers loans for new, used and electric vehicles bought from a dealer or in a private sale, and refinances existing car loans from $10,000 to $100,000.

For renewable energy projects, Plenti's green loans run from $2,000 to $45,000 over 3 to 10 years, with an $8.99 monthly fee and no early repayment fees. Plenti also offers commercial automotive loans, which it distributes through accredited brokers.

Who Plenti lends to

To qualify for a Plenti personal loan you must be 18 or older, an Australian citizen or permanent resident, earn over $25,000 a year from a verifiable, regular income, and have a good credit history. Self-employed applicants can use bank statements or tax returns to show their income.

Car loan applicants must be 21 or over, an Australian citizen or permanent resident, earn over $32,000 a year net from a regular income they can demonstrate, and have a good credit history. Plenti will consider self-employed applicants, although additional credit criteria may apply. Plenti says its rates are personalised to each borrower's credit history and financial situation.

How to apply with Plenti

Plenti's application is 100% online. You answer 10 questions to see a personalised rate estimate without affecting your credit score, then submit an application in as little as 10 minutes. Plenti says funds can arrive in as little as 24 hours after approval, and for car purchases the money is paid to the seller within 2 business days of approval.

Brokers accredited with Plenti can also arrange its personal loans and its consumer and commercial automotive loans. Tesla buyers can select Plenti at the Tesla checkout, and under a strategic partnership with NAB, NAB customers can request a NAB Car Loan quote through the NAB app.

Plenti ownership and history

Plenti was established in 2014. Plenti Group Limited, the company behind plenti.com.au, is listed on the ASX under the code PLT and has its registered office in Sydney, and it offers automotive, renewable energy and personal loans.

Plenti's website states that credit is provided by Plenti Finance Pty Limited (Australian Credit Licence 569622) or by Perpetual Corporate Trust Limited (Australian Credit Licence 392673) as custodian. Plenti RE Limited holds Australian Financial Services Licence and Australian Credit Licence number 449176.

Alternatives to Plenti

Other lenders in our directory that offer car loans, personal loans, starting with other specialist lenders.

See the full list of non-bank lenders in Australia

More on Plenti

Plenti: frequently asked questions

How much can I borrow with a Plenti personal loan?

You can borrow up to $75,000 with a Plenti unsecured personal loan, without providing an asset as security. The personal loan page lists terms of up to 7 years and no monthly fee. Plenti says its rates reward a good credit history.

What do I need to qualify for a Plenti car loan?

You must be 21 or over, an Australian citizen or permanent resident, earn over $32,000 a year net from a regular income you can demonstrate, and have a good credit history. Plenti will consider self-employed applicants, although additional credit assessment criteria may apply. Car loans go up to $100,000 over 3 to 7 years.

Does getting a rate estimate from Plenti affect my credit score?

No. Plenti says you can answer 10 quick questions and see a personalised rate estimate in as little as 60 seconds, without impacting your credit score. Once Plenti has all relevant documents from a full application, you could be approved in as little as 1 business day.

Can I apply for a Plenti loan through a broker?

Yes. Plenti accredits brokers to arrange its personal loans, consumer automotive loans and commercial automotive loans, subject to accreditation. You can also apply directly, as Plenti's own application is 100% online.

Does Plenti offer loans for electric vehicles?

Yes. Plenti's EV loans go up to $100,000 over 3 to 7 years, and it offers a rate reduction on new electric vehicles up to $90,000 through its collaboration with the Clean Energy Finance Corporation. Tesla buyers can select Plenti as their finance option at the Tesla checkout.

Is Plenti a bank?

No. Plenti is a non-bank lender: it is not on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959. Its Australian Credit Licence is 569622, held by Plenti Finance Pty Limited, and lending to consumers under a credit licence is regulated by ASIC under the National Consumer Credit Protection Act 2009.

What is Plenti’s credit licence number?

Plenti Finance Pty Limited holds Australian Credit Licence 569622. You can check a licence on ASIC’s Professional Registers before you apply.

Find a YFG Approved broker
Free to use, no obligation.
Start