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.


FixedUnsecuredN/AN/AMore details

Unsecured Personal Loan (Excellent Credit)

    FixedUnsecuredN/AN/AMore details

    Unsecured Personal Loan (Very Good Credit)

      Important Information and Comparison Rate Warning

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      The comparison rates in this table are based on a loan of $30,000 and a term of 5 years unless indicated otherwise. The comparison rates are for unsecured personal loans only for the relevant amounts and terms. The comparison rates for car loans and secured personal loans are for secured loans unless indicated otherwise. WARNING: This comparison rate applies only to the example or examples given. 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. Comparison rates are not calculated for revolving credit products.

      Monthly repayment figures are estimates only, exclude fees and are based on the advertised rate for the term and for the loan amount entered. Actual repayments will depend on your individual circumstances and interest rate changes. Rates correct as of July 16, 2024. View disclaimer.

      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.

      Read more: Guide to risk-based personal loans

      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.


      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.

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