Comparison

Plenti vs Unloan

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

Plenti

Invest in consumer loans and earn attractive returns with flexible terms. This platform makes investing simple, allowing you to start with as little as $10. Join thousands of investors and grow your money faster.

Highlights
  • Invest in personal, car, and green loans
  • $10 minimum investment
  • Flexible investment terms (1 month - 7 years)
  • Provision Fund protection
  • Automatic reinvestment options
  • Quick online registration (5 minutes)
Features
Read full description

Plenti investors make their money go further, faster through flexible investment options. Join over 20,000 investors already registered with Plenti. * Earn attractive returns investing in consumer loans * $10 minimum investment * Flexible investment terms When it comes to money, every decision counts. That’s why we’re on a mission to help everyone to make the right choices – about the choices that count. We’ve built a new world of lending that seeks to make investing faster and simpler for all. * Investing is as simple as 1,2,3* 1. Register for an account online in 5 minutes 2. Download the app and login to your account 3. Transfer in funds and start investing in loans WHY INVESTORS CHOOSE PLENTI *Attractive asset class* We give everyday Australians the opportunity to earn stable, attractive returns offered by investing in personal loans, car loans and green loans. Previously, only banks and institutions had access to the consumer credit asset class. *Provision Fund protection* The Provision Fund helps protect your returns. While it’s no guarantee, no investor has lost a cent of interest or principal as due.^ *Flexible investment options* Choose to invest in lending markets with indicative terms from 1 month – 7 years. As borrowers repay their loans, you’ll receive regular payments which you can choose to automatically reinvest. READY TO GET STARTED? Visit www.plenti.com.au/investing to find out more about investing with Plenti and register for an account. Signing up only takes five minutes. Or email us at contact@plenti.com.au if you have any questions about investing. IMPORTANT INFORMATION As with every investment, investing with Plenti is not without risk. Plenti RE Limited ABN 57 166 646 635 holds Australian financial services licence number 449176, Australian credit licence number 449176 and is a member of the Australian Financial Complaints Authority (AFCA). This information should not be taken as financial product advice and has been prepared as general information only without consideration for your particular investment objectives, financial circumstances or particular needs. You should read the Product Disclosure Statement on www.plenti.com.au/pds before making any decision about your investment choices. ^ The Provision Fund is not a guarantee and your capital is at risk.

About

Unloan

Manage your home loan digitally with a low interest rate and no ongoing fees. Track payments, optimize your loan with insights, and set up automated repayments. Securely access your account anytime, anywhere.

Highlights
  • Low interest rate home loan
  • No ongoing fees
  • Automatic loyalty discount
  • Manage home loan on the go
  • Secure login with FaceID/fingerprint
  • Track upcoming payments
  • Loan and property insights
  • Automated loan repayments
Features
Read full description

We're Unloan, an Australian digital home loan provider built and owned by the Commonwealth Bank of Australia. We're multi award-winning and recognised for delivering outstanding value to customers. Our home loan is designed to help you save more, with a low interest rate, no ongoing fees and an automatic loyalty discount. - Everything you need anywhere, anytime. Manage your home loan on the go and view your account balances from the palm of your hand. - Secure and easy to use. Log in quickly with FaceID or fingerprint. - Never miss an update. Keep track of your upcoming payments. - Optimise your home loan with loan and property insights. Track and grow your interest savings, understand your equity position, and pay down your loan faster. - Automated and easy payments. Use Unloan AutoPay to set loan repayments. There’s plenty more on the way. Stay tuned for more features that will help you stay in control of your home loan. Have an idea or got feedback? Tell us what you want in the app or email us at hello@unloan.com.au. Proud winners of: Canstar Outstanding Value Award 2023, 2024 & 2025 Finder Value Home Loan 2025 & 2026, Refinance Variable Home Loan 2026, Owner Occupier P&I Variable 2026 Mozo Low Cost Home Loan 2024 & 2025 Money Magazine Best Value Flexible Home Loan and Best Value Investment Loan 2025 WeMoney Excellent Rates and Fees 2024 & 2025, Best for Value 2025

Screenshots

Plenti4 screens
Unloan4 screens

Verdict

The call

The clearest difference is review sentiment: Unloan at 75% against Plenti's 13%. Unloan also leads on iOS requirement (15.1 vs 17.5). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Plenti ships an update every 3 weeks, Unloan every 2 months. Both last shipped on November 3, 2026.

Scorecard2 real differences Β· 6 level
Plenti versus Unloan: the parameters behind the verdict, then further details
ParameterPlentiUnloan
PriceFreeFree
Positive reviews12.8% of reviews75.0% of reviews β€” better
Update frequencyEvery 3 weeks β€” betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod β€” better
Requires iOS17.515.1 β€” better
Further details β€” not scored
Size38 MB82 MB
Age rating17+17+
DeveloperPlenti Pty LimitedCommonwealth Bank of Australia

Customer experience

Plenti

Written reviews47 reviews
Positive12.8%
Neutral4.3%
Negative83.0%

Unloan

Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

Bugs and requests

Plenti

Reported bugs

54 issues
  • Sign in issue not fixed for years
  • PIN not working
  • Half the data never shows up on iPhone
  • Loan details gone after update
  • Consistently have issues logging in
Show 49 more
  • PIN setup resets every time
  • Loading errors on every page
  • Continued troubles logging in
  • Won't load
  • Always needing to reset PIN
  • Issues have been persistent for over a year
  • No Face ID
  • Constantly getting shunted to a mobile web view
  • App losing its mind
  • Needs to be force-quit to see data
  • Nothing on app screens will load
  • Says no internet connection
  • App not properly functional
  • Can't log in at all
  • PIN number not remembered
  • Won't save credentials
  • Need to enter manually each time
  • Login loop (full login to PIN login and repeat)
  • PIN is never kept for use
  • App asks for credentials instead of PIN
  • Worried about security
  • Redirected to website login
  • Can't get past landing page
  • Need to log in with email/password instead of PIN
  • PIN needs to be reset every time
  • App won't stay logged in
  • Goes to website to re-enter login details
  • App goes to grey transparent background with loading dot
  • Email and password incorrect message
  • Removing and reinstalling doesn't fix
  • Last update made me log in again and reset PIN
  • Have to go through rigmarole every time
  • App crashes before it even opens
  • Password reset link email never comes
  • Recent update caused app to break
  • Cannot login from the app
  • App freezes up
  • Displayed 'no internet connection'
  • Latest update broke the app
  • App crashes after splash screen
  • Cannot launch the application
  • App crashes on load
  • Boots me out/doesn't open
  • Can't access sign in page
  • App states 'something went wrong, please try again later'
  • Tells me there isn't internet connection
  • App is blank and says no internet connection
  • Can't sign in to the app
  • Says no internet connection

Requested features

3 requests
  • Biometric login support
  • Borrowers section
  • Display loan details

Unloan

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Plenti

No in-app purchases

None

Unloan

No in-app purchases

Questions

Is Plenti free?
Plenti is free to download, with no in-app purchases.
Is Unloan free?
Unloan is free to download, with no in-app purchases.
Do Plenti or Unloan have ads?
Neither Plenti nor Unloan shows ads.
Which is updated more often, Plenti or Unloan?
Plenti ships an update every 3 weeks, and Unloan every 2 months. Most recently, Plenti was updated on November 3, 2026 and Unloan on November 3, 2026.

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