Car Loans
Excellent

Fresh start car loan

Think you're out of options? Think again. Our fresh start car loan can be shaped to fit your needs.

Liberty car loans

Shaping car finance to fit your needs

There are times in life when you hit a bump in the road. But we don’t think that should stop you moving forward with your car finance.

  • Borrow up to $50,0002

  • Loan terms up to 5 years

  • Poor credit history considered

  • Discounts apply for electric vehicles7

  • Rates from 11.65% p.a. (15.98% p.a. comparison rate1)

Easy to understand features, variables and fees

Features

Maximum loan amount2
$50,000
Minimum loan amount
$5,000
Maximum loan term
5 years
Minimum loan term
2 years
Repayments weekly, fortnightly, monthly
Discounts apply for electric vehicles7

Loan variables

Start-up business
Bad credit
Variable income
Low-doc
New or used vehicles6

Fees^

Application fee
Varies
Equalisation (risk) fee
Starting from 1%
Ongoing fee
From $10 per month
Discharge fee^^
$125
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Liberty car loans FAQs

  • At Liberty, we take a practical approach to your car loan application. In most cases, we will request documents such as bank statements and proof of income. Where a customer has unique circumstances, we will take a free-thinking approach and assess the situation on an individual basis. Whether you're self-employed, have poor credit or a low deposit and you're in the market for a car, contact a Liberty Adviser today to see how you can qualify for a car loan.

  • At Liberty, we don’t get hung up on the past. We’re interested in your present financial circumstances, and we’ll work with you to get the green light on car finance. With car loans for prime borrowers and those with poor credit history, Liberty works with each customer to find a loan product that fits their circumstances. If you're in the market for a car, contact a Liberty Adviser today to see how you can qualify for a car loan.

  • Liberty offers a range of car loan options to suit your circumstances, with some products offering the flexibility of weekly, fortnightly or monthly repayments. We work with each customer to find a loan product that fits their circumstances. To get an idea of your loan repayments, check our online calculator.

  • 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.

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
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Experts in free-thinking finance

Learn more about free-thinking loans

Other loans you might like:

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:

1This comparison rate is based on a secured $30,000 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.

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

6Interest rate loadings 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.

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.

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.