Plenti is one of the established fintech lenders in Australia offering fairer and quick loans with the help of smart technology. The platform uses technology to provide their creditworthy customers having changing preferences, with automotive, renewable energy and personal loans to render a required shape to their big ideas. Since its establishment in 2014, loan originations of Plenti have increased consistently, supported by diversified distribution channels and funding, loan products, and strengthened by exceptional credit performance and constant innovation. The company was listed on ASX in September 2020.

  • Bank Type

    Private Bank

  • Founded


  • Headquarters


  • Industry

    Financial Services

  • Formerly/Predecessor


  • Subsidiaries


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Pros & Cons-Plenti


  • Home Loan for Self-Employed.
  • Signup Fees.
  • Customer Support.


  • Strict Age Restrictions.
  • Strict lending policies.
  • High Property Value for First Home Buyers.

About Plenti Finance

To accelerate the next growth stage for its personal, automobile, and renewable finance solutions, RateSetter Australia changed its identity to Plenti in 2020. It was founded in 2014 in New South Wales, Sydney. The publicly held company’s founder and CEO is Daniel Foggo. With attractive interest returns of up to 6.5%, Plenti finances all kinds of loans to its customers to fulfil all their financial needs.

Apart from the range of loans, Plenti finance believes in lending responsibly with a sustainable approach. They aim to easily fulfil their clientele's dreams, using a more innovative and faster approach.

Services Offered by Plenti Finance

Plenti has created a brand-new lending environment that aims to make the process quicker and easier for consumers. Driven by smart and advanced technology, which is incorporated in a brilliant structure. Plenti Finance offers a range of loan products varying for different purposes.

Types of Plenti Finance Loans

Plenti Australia provides the following loans to its clientele in Australia to assist with the funding requirements for small businesses and other personal uses.

Personal Loan

Plenti Australia's lenders offer low-interest rate loans for personal purposes such as debt settlement, home purchases, and other personal and business needs. The tenure of Plenti personal loans -  secured and unsecured - ranges from 6 months to 5 years. Plenti loans offer an unsecured low-rate personal loan with interest rates starting from 6.89% per annum and a comparison rate of 6.89 % per annum.

Car Loan

Depending on their financial situation, the recipient can acquire different unsecured car loans, including low-doc car loans and refinance car loans to car loans with balloon payments. An unsecured low-rate car loan offers interest rates starting from 7.49% per annum and a comparison rate of 8.05 % per annum.

EV Loan

An Electric Vehicle (EV) loan is a particular car loan intended to purchase an EV or plug-in hybrid electric vehicle (PHEV). A Plenti EV loan functions similarly to a car loan with a few added features tailored for EV owners. The contents include a 0.5% discount off our usual auto loan rates on loans ranging in size from $10,000 to $100,000. The loan tenure is 3 to 7 years, including no monthly and early repayment fees.

Renovation Loan

A renovation loan is a part of the personal loan category employed to pay home improvement expenses. Based on the loan category, Plenti offers loan amounts ranging from $2,000 to $50,000 with tenure from 1 to 7 years with an interest rate of 6.89% per annum. 

Solar and Battery Loan - Green Loan

A green loan is a particular kind of personal loan. It can be utilised to pay for installing and purchasing authorised sustainable energy devices. It is called green financing, solar financing, or renewable loan. The green Plenti loan assists in reducing energy costs while contributing to environmental sustainability. One can obtain a loan between $2,000 to $45,000 or more over a loan tenure of 3 to 7 years.

Debt Consolidation Loan

A debt consolidation loan is an effective alternative for managing credit card debt. A difficult situation can be rendered by combining several outstanding obligations into a single low-rate loan with a monthly instalment. One can borrow a loan amount ranging from $5,000 to $50,000 with a tenure of 1 to 7 years and an interest rate of 6.89% per annum.

Wedding Loan

A wedding bank loan is an amount of funds individuals can borrow over a predetermined period from a lender, like a bank or credit union. The individual can make weekly, fortnightly, or monthly payments with fixed or variable interests. With a wedding loan, couples can seek out a loan for $2,000 to $50,000 for 6 to 7 years. 

Holiday Loan

Another personal Plenti loan type is a holiday loan that attends to all your travel requirements with a borrowing sum ranging from $5,000 to $50,000 and more over a tenure of 1 to 7 years. A holiday loan assists a travel getaway with low-interest rates.  

Legal Fee Loan

A legal fee loan is a specific kind under the personal loan category designed to assist customers in paying for family law issues. It can provide the resources one needs to receive the best legal counsel, and it is paid back once a settlement has been negotiated. Legal fee loans, as opposed to normal personal loans or credit cards, are created specifically to help you traverse a difficult period.

Plenti Finance Opening Hours

The opening office hours of Plenti Finance are 9 am to 5.30 pm AEDT.

Plenti Finance Contact Details / Customer Service

Customers who want to use the customer service options given by Plenti Finance can avail of the following channels.

Contact Number - 1300-768-710

Website -

Frequently Asked Questions

Who is Plenti owned by?

Daniel Foggo is the founder and CEO of Plenti Australia.

Is Plenti a lender or broker?

Plenti Australia is a lending institution with a technology-driven provider of consumer loans and investments.

What was Plenti called?

Ratesetter Australia changed its name to Plenti in 2020.

Does Plenti do a credit check?

Plenti is among the 50 prominent Australian lenders using extensive credit reporting. It reveals to the lender if you are a reliable borrower or not. As a result, a complete picture of your credit history is portrayed, including good and bad information in your report.

How do I contact Plenti Financial?

For more information on loans and investments, contact customer support at [email protected] or call on 1300-768-710. The office hours are from 9 am to 5.30 pm AEDT.

Why use us?

The customised financial services from UrbanMoney Oceania caters to the varying requirements of the applicant on their fund procurement journey.

Low interest rates

The intricate online model ensures the best interest rates are offered to the customers. The services aim to diminish the overhead costs.

Urban Money Oceania Exclusive Deals

The customers can avail of various exclusive offers available to the customers by UrbanMoney Oceania designed to cater to their budgetary needs.

Australian based support team

Our support team offers tailor-made services to customers intending to conclude loan transactions without any hassle. Available to customers at their convenience.


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