Home > Personal Loans > Liberty Personal Loans

Important disclosure

Liberty Personal Loans Calculator

Right off the bat, Liberty personal loans come packaged with benefits such as access to a dedicated lending specialist, no ongoing fees, and quick funding. There’s more to discover so scroll down, compare products and check out your repayment options to find what suits you most.

Calculate repayments

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Advertised
Rate

Comparison
Rate

Sort loans by

Loan Amount

$10,000

Term

3 months

Change

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment

$309.87 Inclusive of fees

EST Monthly Repayment

7.24%
Advert. Rate (p.a)

Comparison rate

7.24%
Comp. Rate (p.a.)

Go to site

Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.

Secured Personal Loan - Excellent Credit

EST Monthly Repayment

$326.51 Inclusive of fees

EST Monthly Repayment

6.52%
Advert. Rate (p.a)

Comparison rate

6.95%
Comp. Rate (p.a.)

Go to site

Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.

Secured Personal Loan - Good Credit

EST Monthly Repayment

$351.83 Inclusive of fees

EST Monthly Repayment

10.34%
Advert. Rate (p.a)

Comparison rate

11.57%
Comp. Rate (p.a.)

Go to site

Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.

Unsecured Personal Loan - Good Credit

EST Monthly Repayment

$357.74 Inclusive of fees

EST Monthly Repayment

11.49%
Advert. Rate (p.a)

Comparison rate

12.72%
Comp. Rate (p.a.)

Go to site

Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.

Secured Personal Loan - Average Credit

EST Monthly Repayment

$364.85 Inclusive of fees

EST Monthly Repayment

12.86%
Advert. Rate (p.a)

Comparison rate

14.12%
Comp. Rate (p.a.)

Go to site

Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.

Unsecured Personal Loan - Average Credit

EST Monthly Repayment

$372.36 Inclusive of fees

EST Monthly Repayment

14.29%
Advert. Rate (p.a)

Comparison rate

15.56%
Comp. Rate (p.a.)

Go to site

Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.

Featured

Low-Rate Personal Loan - Excellent Credit - Zero Fee

EST Monthly Repayment

$306.81 Inclusive of fees

EST Monthly Repayment

6.57%
Advert. Rate (p.a)

Comparison rate

6.57%
Comp. Rate (p.a.)

GO TO SITE

OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.

Featured

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment

$306.81 Inclusive of fees

EST Monthly Repayment

6.57%
Advert. Rate (p.a)

Comparison rate

6.57%
Comp. Rate (p.a.)

GO TO SITE

Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.

Featured

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment

$307.63 Inclusive of fees

EST Monthly Repayment

6.75%
Advert. Rate (p.a)

Comparison rate

6.75%
Comp. Rate (p.a.)

GO TO SITE

Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.75% to 26.95% p.a.*

DISCLAIMER NOW Finance is a trademark of Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142, as agent for NF Finco 2 Pty Ltd ACN 164 213 030. THINGS YOU SHOULD KNOW Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No fees only apply to new NOW Finance personal loans. If you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. Loan repayment terms range between 18 months to 7 years. For unsecured personal loans you can borrow between $5,000 to $50,000 with interest rates ranging from 6.75% p.a. (6.75% p.a. comparison rate*) to 26.95% p.a. (26.95% p.a. comparison rate*). For secured personal loans you can borrow between $15,000 to $100,000 with interest rates ranging from 6.75% p.a. (6.75% p.a. comparison rate*) to 21.65% p.a. (21.65% p.a. comparison rate*). *ABOUT COMPARISON RATES The Comparison Rate is designed to help you understand the overall cost of the personal loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rates for the NOW Finance loans are based on a loan of $30,000 over 5 years. WARNING: The comparison rates given are 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. NOW Finance does not charge any fees so the Comparison Rate will always equal the interest rate quoted. Representative example: For a borrower with excellent credit, an unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 6.75% p.a. (6.75% p.a. comparison rate), would estimate to a minimum total amount payable of $35,430 via the fortnightly payment option. Rates are subject to change. NOW Finance does not charge any additional fees for its personal loans, included but not limited to ‘Upfront Fees’, ‘Break Cost Fees’ or ‘Late Fees’. ABOUT PERSONALISED QUOTES Your personalised quote will provide you with an estimate of your interest rate and repayments. The final interest rate you are offered may differ once you have completed a loan application and told us about your personal financial circumstances and credit history.

Featured

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment

$309.87 Inclusive of fees

EST Monthly Repayment

7.24%
Advert. Rate (p.a)

Comparison rate

7.24%
Comp. Rate (p.a.)

GO TO SITE

Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.

Featured

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment

$320.56 Inclusive of fees

EST Monthly Repayment

5.76%
Advert. Rate (p.a)

Comparison rate

6.65%
Comp. Rate (p.a.)

GO TO SITE

Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $70,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.

BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 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. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

results per page

What type of loan are you looking for?

Liberty personal loans – Fund your worthwhile purpose

According to the lender, Liberty personal loans are free-thinking loans. This progressive approach is reflected in the personalised rates that are based on your individual circumstances. Additionally, you can access funds via a fast online application process that simplifies borrowing to a new level.

Here are some interesting facts about Liberty: Liberty showed up on the scene in 1997 offering specialty finance services that centered on personalised attention. Today, the financial institution offers products, such as home loans, commercial loans, and business loans. It says it has helped more than 600,000 customers with funds worth over $28B.

Next up, here’s what you need to know about Liberty personal loans.

Liberty personal loans at a glance

Loan amounts. Between $5,000 and $50,000
Loan terms. 3,5, or 7 years
Interest rate type. Fixed rate
Pros. Competitive rates from as low as 6.45%
Cons. You must borrow at least $5,000, which is inconvenient when you only want to cover smaller expenses. Additionally, there’s no redraw facility.
Uses. All worthwhile purposes, such as debt consolidation, home renovations/furnishings, weddings, tax debt, travel, and educational expenses.
Best for. Liberty offers personalised interest rates, so any eligible borrower with a good credit rating and a clean credit score will get lower rates.

The fixed rate personal loan from Liberty

In a nutshell, you can get the fixed rate unsecured personal loan from Liberty from 6.49%. This interest is payable on the outstanding balance only. You can also borrow between $5,000 and $50,000 payable over 3,5, or 7 years.

A closer look at features of Liberty personal loans

Personalised interest rates. Liberty personal loan rates range from 6.45% to 26.99%. The exact rate for you depends on the risk band you fall into. Generally, the lowest rates belong to borrowers with an impeccable credit history, a high credit score, and a proven track record.
Fixed rates. That means you get the security of fixed repayments that stay the same over the loan’s life. Therefore, it’s easier to budget and you never have to worry about rate increases.
Additional repayments. You can make extra repayments on top of your minimum repayments whenever you want to chip away at your debt faster.
Flexible repayment options. Weekly, fortnightly, and monthly repayment options allow you to tailor your loan to your income flow.
Fees and charges. Liberty is one of the few lenders that charge fewer fees. The loan does not have ongoing fees, early repayment fees, an early termination fee, or a discharge fee. However, depending on the risk you pose, you may have to pay a steep establishment fee, which is capped at $950.

Free thinking car loans from Liberty

If you want to finance your next set of wheels, you can take out a secured Liberty car loan, instead. Liberty car loans come with the following features:

You can borrow $5,000 up to $100,000 (or $35,000 if you’re below 23 years of age).
Loan terms are 2, 5, or 7 years.
Variable interest rates from 6.49% (or 6.19% if it’s Liberty Business).
Range of car loans for new or used cars (Liberty Financial accepts older vehicles up to 20 years old). You can opt for a Liberty Drive car loan or a Liberty Business car loan.
Can be used to buy a car, caravan, boat, or motorcycle.
Low doc options are also available. These are handy for self-employed individuals or anyone who doesn’t want the hassle of paperwork.
Fees and charges include an application fee (varies), a monthly fee of $7.70, and a discharge fee of $125.
Other features include balloon payments, car loan protections, as well as the option to make weekly, fortnightly, or monthly repayments.

Eligibility

To qualify for a Liberty Financial personal loan, you must be:

An individual and at least 18 years old
An Australian citizen or permanent resident
Currently employed
Earning more than $20,000 per year
Be borrowing mainly for personal or personal investment purposes.
Not currently in collections or have outstanding defaults, court judgements, writs, or bankruptcies
Not paying off more than three active payday loans
Able to provide tax returns and proof that you have been trading for at least 2 years if self-employed.

How to apply for a Liberty Financial loan

Click the “Go to Site” button for Liberty personal loans in the table above. All applications are 100% online and can be completed in 10 minutes. Before you apply, you have to get your personalised rate. It only takes 2 minutes and won’t affect your credit score in any way.

To get this rate estimate, enter your personal, financial, and contact details, together with details about the loan you want, your address, and your ID. It’s also best to use our Liberty personal loan calculator to find a rate estimate that ensures you’re on the same page with your budget.

Once your loan is approved and you accept the offer by 3 pm, Liberty says you will get the funds on the same day.

Important disclosure

Liberty Personal Loans Calculator

Calculate repayments

Comparison warning

Comparison warning

Comparison warning

Comparison warning

Comparison warning

Comparison warning

Comparison warning

Comparison warning

Comparison warning

Comparison warning

Comparison warning

Liberty personal loans – Fund your worthwhile purpose

Liberty personal loans at a glance

The fixed rate personal loan from Liberty

A closer look at features of Liberty personal loans

Free thinking car loans from Liberty

Eligibility

How to apply for a Liberty Financial loan

Popular personal loans searches