Car Loans
Excellent

Flexible car loan

Our flexible car loan gives you a sharp rate quick and hassle free, so you'll get moving faster.

Liberty car loans

Get into a set of wheels with a great deal

We’ve combined our best car loan interest rate with flexible repayment options to help you drive away sooner.

  • Borrow up to $100,0002

  • Loan terms up to 7 years

  • Balloon payment options3

  • Discounts apply for electric vehicles7

  • Rates from 9.15% p.a. (12.95% p.a. comparison rate1)

Easy to understand features, variables and fees

Features

Maximum loan amount2
$100,000
Minimum loan amount
$5,000
Maximum loan term
7 years
Minimum loan term
2 years
Repayments weekly, fortnightly, monthly
Balloon payments3
Discounts apply for electric vehicles7

Loan variables

New or used vehicles accepted6

Fees^

Application fee
Varies
Ongoing fee
$10 per month
Discharge fee^^
$125
bg

Book a call back

Enter a few details and we'll arrange for one of our team members to call you back.

We take your privacy seriously. See our collection notice here.

Liberty car loans FAQs

  • A car loan provides you with a lump sum of money for you to purchase a car (or caravan!). It’s then yours to drive, while also making monthly payments on the loan, which include interest at a fixed rate and on some loans, fees. If you’re in the market for a car, contact a Liberty Adviser today to find out more.

  • A secured car loan is one where the car being purchased becomes the security for the loan. Liberty has a range of car loans to suit borrowers' needs. So, whether it's a new or a used car you are after, contact a Liberty Adviser today.

  • The most obvious benefit of a car loan is that you can purchase a car without having to pay upfront. Most people do not have the necessary savings to pay for the cost of a car in full or would prefer to use their savings for other things. And, if you need a car urgently, you don't have to wait until you've saved up for the total cost.

  • Sometimes known as a residual payment, a balloon payment is a lump sum amount due at the end of the car loan term to finalise the contract. The benefit is reduced monthly repayments over the loan term. With a balloon, you will pay more interest over the loan and you will have to plan for the balloon payment. Contact a Liberty Adviser today if you are interested in how a balloon payment could help you.

  • 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.

  • Car loans are secured, which means the vehicle is used as collateral against the loan. As this reduces the risk to the lender, you may be eligible for a lower interest rate. Unlike car loans, personal loans can also be unsecured. While you may incur a higher interest rate, you’ll likely have more flexibility with the funds. When deciding between a car loan and a personal loan, it’s important to consider what suits your situation best. A Liberty Adviser can help you make the right choice.

Ready to get moving?

Wherever you are in your journey, help is here however you need it.

Calculate your repayments

Our easy to use online calculator can help you work out what your loan repayments will be.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

Request a call back

Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.

Our innovation and flexible solutions have helped over 850,000 free thinkers.

Free thinkers like us see the possible!

When others see the impossible, we look past that and see what we can achieve together.

We’ve helped more than 850,000 customers get financial.

Supporting free thinkers from diverse backgrounds for over 25 years.

Proudly B Corp certified to make a difference beyond borrowing.

Championing women in sport to make a difference on and off the field.

Liberty Canstar Awards
Liberty Awards

We’re highly awarded. But don’t just take our word for it...

Excellent
5 out of 5 5755 reviews on
Loading...

Experts in free-thinking finance

Learn more about free-thinking loans

Other loans you might like:

Fresh start car loan

A loan you can shape to fit your needs.

  • Borrow up to $50,0002
  • Loan terms up to 5 years
  • Poor credit history considered
  • New or used vehicles accepted6

RATES PER ANNUM FROM

11.65%

(15.98%1)

Comparison rate

Find out more

Secured personal loan

A product with a rate and size to fit your plans.

  • Borrow up to $80,000
  • Loan terms up to 7 years
  • Vehicle required as security 1C
  • Funds available for personal use

Rates per annum from

6.52%

(6.95%1A)

Comparison rate

Find out more

Unsecured personal loan

Get access to funds without an asset as security.

  • Borrow up to $80,000
  • Loan terms up to 7 years
  • Simple online application
  • Receive money quickly

Rates per annum from

7.24%

(7.24%1B)

Comparison rate

Find out more

Things you should know:

1 Comparison rates are based on a secured $30,000 car loan over a 5-year term, with no balloon payment for a new car. 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. Fees and charges are payable. The actual interest rate applicable will depend on our assessment criteria. Higher interest rates apply where second-hand vehicles are used as security for the loan.

2 Maximum loan amount for applicants under 23 years of age is $25,000.

3 The maximum vehicle age at the end of the loan term is 8 years for any loan with a balloon payment.

6Interest rate loading apply to older vehicles, resulting in higher interest rates. Call 13 11 33 or speak with your local Liberty Adviser for details.

7An interest rate discount of 0.25% p.a. applies for new and used plug-in electrical vehicles. Hybrids excluded.

^Other fees, charges and commissions may apply.

^^Early termination fees such as break costs may apply.

1A Secured 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.

1B Unsecured 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.