| Wisr | Plenti | |
|---|---|---|
| Advertised rates | 7.59% to 24.59% p.a. unsecured personal, 8.54% to 20.94% p.a. secured car (all fixed) | 5.95% - 24.09% p.a. personal (fixed or variable), 7.49% - 12.99% p.a. secured car (fixed) |
| Comparison rate | 8.50% to 25.44% p.a. unsecured personal, 10.07% to 22.49% p.a. secured car (both based on $30,000 fixed over 5 years with monthly repayments; secured example assumes loan to vehicle value of 130% or less) | 5.95% - 25.16% p.a. unsecured personal / 9.22% - 14.68% p.a. secured car (each based on $30,000 over 5 years) |
| Approval speed | Immediate online response; funds typically within 24 - 48 hours, same-day possible | An initial rate estimate precedes the full application; funding depends on approval, verification and the required purchase or refinance documents |
| Best suited for | borrowers with a clean recent credit file who want repayment flexibility and app tools to pay the loan off faster | borrowers with a good credit history wanting a low fixed rate on a new car or EV |
| Fees | Personal establishment fee $575 under $20,000, $650 for $20,000 to $34,999, $795 for $35,000 and over; Car loan establishment fee $605 (refinance or dealer sale) or $655 (private sale); $10 monthly account fee on car loans, nil annual or account administration fee on personal; No early repayment or exit fees; Late payment fee $30, payment dishonour fee $15; Security refinance fee $50 on car loans | Credit assistance fee $0 - $699 (personal) or $199 - $849 (car and EV); Monthly account fee $0 (personal), $14.90 (car and EV); Early repayment fee $0 on all three listed products |
| Credit profile fit | Clean recent file required: no unpaid defaults in the last 5 years, no bankruptcies in 7 years, income over $25,000. Lowest rates apply to excellent credit histories. | Good credit history and Australian citizenship or permanent residency required. Car loans: age 21 or over and verifiable regular income above $32,000 a year after tax. Personal loans: age 18 or over and verifiable regular annual income above $25,000. Minimum advertised rates assume an exceptional credit history; all applications need assessment. |
Wisr
Profile record dated 18 Aug 2026. Selected facts checked 3 Nov 2026: advertised rates, comparison rates, fees, features, application timing, eligibility, advantages, limitations, borrower fit. Rates and fees are subject to change by the lender at any time.
*The comparison rate is based on the lender's published example and is true only for that example. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Plenti
Profile record dated 25 Aug 2026. Selected facts checked 23 Sep 2026: advertised rates, comparison rates, fees, features, application timing, eligibility, advantages, limitations. Rates and fees are subject to change by the lender at any time.
Wisr: strengths and trade-offs
- + No early repayment or exit fees
- + Weekly, fortnightly or monthly repayment choice
- + App tools (Booster, Round Up) built to pay the loan off sooner
- - Establishment fee of $575 to $795 (personal) or $605 to $655 (car)
- - $10 monthly account fee on car loans
Plenti: strengths and trade-offs
- + Personalised rates based on credit assessment
- + No early repayment fee on the listed personal, car and EV products
- + A rate discount is published for eligible new EVs
- - Monthly repayments on the listed personal, car and EV products
- - Car and EV loans carry a $14.90 monthly account fee
Neither lender is ranked or recommended over the other. Rates are personalised, so the better lender for you depends on your profile; a Loanseekers enquiry compares both, and the rest of our 70+ lender panel, without affecting your credit score.
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