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Compare Liberty Personal Loans

Providing loans with personalised attention, Liberty offers an alternative personal loan solution to the big-four banks.

By Jacob Cocciolone

First published on 30 Jun 2022

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Since entering the fray in 1997, non-bank lender Liberty specialises in consumer loans, offering a number of products from home loans and personal loans, to business and commercial loans. Liberty has helped over 600,000 Australians by advancing over $40 billion in funds.

Liberty Personal Loans

Liberty offers a single unsecured personal loan product with a fixed interest rate for amounts from $5,000 to $80,000 for a number of uses, including:

Debt consolidation
Home renovations
Holidays
Wedding costs
Medical bills
Education fees
Motor vehicles

Check out some of Liberty’s personal loan offerings below.

Loan duration

Loan amount

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Lender	Car Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Interest Type	Secured Type	Early Exit Fee	Ongoing Fee	Upfront Fee	Total Repayment	Early Repayment	Instant Approval	Online Application	Tags	Features	Link	Compare	Promoted Product	Disclosure
Liberty Financial	Liberty Financial – Flexible Car Loan	8.95% p.a.	10.54% p.a.	$636	Variable	Secured	–	$10	$0	$22,879						More details	Compare
Liberty Financial	Liberty Financial – Fresh Start Car Loan	12.45% p.a.	14.94% p.a.	$669	Variable	Secured	–	$10	$0	$24,069						More details	Compare

Important Information and Comparison Rate Warning

Rates correct as of . View disclaimer.

Important Information and Comparison Rate Warning

Liberty Personal Loan Features

Personalised interest rates

Liberty offers personalised interest rates, meaning borrowers will receive interest rates tailored to their current financial circumstances depending on factors including credit history, credit score, employment status, cash flow and loan amount. Borrowers deemed to be low risk with a good credit score and history can expect a lower interest rate relative to other types of borrowers.

Flexible repayments

Liberty personal loans can be repaid weekly, fortnightly or monthly with terms from three years to seven years. Regardless of whether repayments are made weekly, fortnightly or monthly, the due date is always a month after the loan is established - referred to as the anniversary date.

Fee-free

Aside from a loan establishment fee ranging from 0% to 5.5% of the loan amount depending on your assessed risk, Liberty does not charge any ongoing, early repayment, early termination or discharge fees.

Digital process

Applying for a Liberty personal loan is a straightforward online process, from an online application with two minute estimate to decision in one to two business days.

Am I eligible?

To be eligible for a Liberty personal loan, the following requirements must be met:

Applicants must be over the age of 18.
Applicants must be an Australian citizen or permanent resident.
Applicants need to be employed and earn a minimum of $20,000 per year (the majority of your income cannot be from Government benefits) to be eligible.
Applicants must have good credit history.
Applicants must must use the loan for personal use only.

What do I need to provide to receive a Liberty personal loan?

To determine your personal loan rate and to be successful in your application for a Liberty personal loan, you may need to supply the following information and documents:

Personal details including name, address and date of birth.
Drivers licence, Passport details and/or Medicare card details.
Proof of your address - for example, a utility bill.
Proof of your income in the form of payslips and bank statements.
Details about your day-to-day expenses.
List of current assets and debts.

Image by Green Chameleon via Unsplash

Jacob Cocciolone

Jacob Cocciolone joined the Savings team in 2021 as a Finance Journalist. Driven by a passion for keeping Australians up to date with the latest financial news and trends, his areas of interest include financial technology, investing, property and motoring.

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Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

Related Brands

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We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, and YourMortgageBroker Pty Ltd, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

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The information provided by Savings.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.

Rates and product information should be confirmed with the relevant credit provider. For more information, read Savings.com.au’s Financial Services and Credit Guide (FSCG).

Compare Liberty Personal Loans

Liberty Personal Loans