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Secured personal loan
Whether you’re going on holiday, consolidating debts or buying a car, our secured personal loan offers the certainty of fixed repayments at a rate just for you.
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Fixed repayments at a rate tailored to you
When opportunity knocks or unexpected expenses arise, a secured personal loan can help you take control and reach your goals.
Borrow up to $80,000
Loan terms up to 7 years
Vehicle required as security1C
Rates from 6.52% p.a. (6.95% p.a. comparison rate1A)
Easy to understand features, variables and fees
Features
Accepted purpose
Fees
Liberty secured personal loan FAQs
Liberty personal loans assess borrowers based on a number of factors such as credit score and financial history. To find out what your personal loan interest rate will be, check your tailored rate here . It takes just two minutes and is completely obligation free.
Your secured personal loan can be used for any predominantly personal or personal investment purpose, as long as it’s legal. Examples include debt consolidation, travel, renovations, investments, medical expenses, wedding costs or to purchase a boat or car.
Anyone over 18 years of age who is a citizen or permanent resident currently living in Australia, can apply for a Liberty secured personal loan. 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.
An unsecured personal loan is not backed by any security. This means in the event that a loan is not repaid, the lender does not have any security it can recover to repay the amount owing. Secured personal loans are less risky for lenders and therefore tend to have more favourable terms than unsecured personal loans, such as lower interest rates or higher lending amounts.
A target market determination describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also outlines who can distribute our products, how they can do this, and examples of situations when we may need to review our products and the target market. To view the target market determination for this product, click here.
Every borrower is different, so Liberty takes into consideration your current individual circumstances when assessing your application for a personal loan even with a bad credit history. Discover your personalised rate here.
Things you should know:
1ASecured personal loan interest rates will range from 6.52% p.a. to 19.19% p.a. and will depend on our assessment criteria and the personal loan product you qualify for. Comparison rates range from 6.95% p.a. to 20.77% p.a. This comparison rate is based on a secured $30,000 loan over a 5-year term with no balloon for a new vehicle. WARNING: The comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.
1CVehicle eligibility criteria and age restrictions apply. Vehicle must be a passenger car or light commercial vehicle under 5-tonne gross vehicle mass.
2AOther fees and charges may apply, such as dishonour and late fees.
3AThis fee ranges from $310 to $1,010, depending on your risk band, and includes a fee of up to $60 for vehicle search and registration (PPSR).
Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2023 All rights reserved | Liberty Financial Pty Ltd ABN 55 077 248 983 | Credit provided by Secure Funding Pty Ltd ABN 25 081 982 872 | Australian Credit Licence 388133 | Both trading as Liberty Financial.