Liberty Personal loans

Unsecured personal loan

Whether you’re starting out or starting over, get fast access to the funds you need. 100% online with rates tailored to you.


Fast funds with a personalised rate

Planning renovations, a holiday or debt consolidation? Make your grand plans a reality with fast access to funds via our easy online application.

  • Borrow up to $80,000

  • Loan terms up to 7 years

  • 100% online

  • Comparison rates from 7.24% p.a.1B

Easy to understand features, variables and fees


Maximum loan amount
Minimum loan amount
Maximum loan term
7 years
Minimum loan term
3 years
Repayments weekly, fortnightly, monthly
Additional repayments
Online application (no paperwork)

Accepted purpose

Worthwhile non-business use


Ongoing fee2A
Early repayment fee
Early termination fee
Discharge fee
Establishment fee
$0 - $9503B

Liberty unsecured 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 unsecured personal loan can be used for any predominantly personal or personal investment purpose, as long as it’s legal. Examples include debt consolidation, renovations, travel, investments, medical expenses, wedding costs or to purchase a car or boat.

  • Anyone over 18 years of age who is a citizen or permanent resident currently living in Australia, can apply for a Liberty unsecured personal loan. To be eligible, applicants need to be employed and earn a minimum of $20,000 per year (the majority of your income cannot be from Government benefits).

  • 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.

  • When you get a personal loan interest rate estimate we access your credit file in a way that is not visible to other credit providers and does not affect your credit score. However, when you submit a full personal loan application Liberty will then conduct a 'full credit enquiry' which other credit providers can see and which may affect your score.

  • 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.

  • Getting your individual personal loan rate is quick, easy and won’t affect your credit score. You can learn your rate before you apply by clicking here and answering a few questions. You will receive your rate in just a few minutes and this rate won’t change if you then continue and submit a personal loan application with Liberty.

Things you should know:

1BUnsecured personal loan interest rates will range from 7.24% p.a. to 19.99% p.a. and will depend on our assessment criteria and the personal loan product you qualify for. Comparison rates range from 7.24% p.a. to 21.49% p.a. This comparison rate is based on an unsecured $30,000 loan over a 5-year term. 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.

2AOther fees and charges may apply, such as dishonour and late fees.

3BThis fee ranges from between 0% to 5.50% of the loan amount, depending on your risk band. The fee is capped at $950.

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.