Custom car loan solutions to help move you forward with finance.

There are times in life when we hit a bump in the road. We understand that things don’t always go according to plan, and we don’t think that should stop you from moving forward with your car finance.

With Liberty car loans, 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.

Our ‘Out of the Box’ car loans can be customised to work even in the most challenging of financial circumstances. Think you’re out of car loan options? Think again.

At a glance

Rates from (per annum)^^
Rate 7.99%
Comparison rate* 10.84%
Maximum loan amount**$75,000
Minimum loan amount$5,000
Maximum loan term7 years
Minimum loan term2 years
Repay weekly, fortnightly, monthlyavailable
Balloon payments***available
Loan Options

If you have a Liberty car loan, we can help when you want to lighten the load - with our Flexible Payment Arrangement (FPA).

With FPA, you can reduce your monthly repayments by up to two thirds when you want to use your money for other things.

When can you use FPA?

You can use FPA whenever you like after the first six months of your car loan, providing that you have made all your repayments on time. Just give two days' notice prior to the next payment date. Use it again if you have kept all your repayments up to date during the preceeding two months.

How often can you reduce repayments?

Loan Term Number of payment reductions
84 months 14 repayments
72 months 12 repayments
60 months 10 repayments
48 months 8 repayments
36 months 6 repayments
24 months or less N/A

Using FPA will increase your subsequent regular repayments because the amount of the reduction will be added to your loan balance and spread over your remaining repayments. As interest is calculated on your outstanding loan balance, you may pay more interest over the period of your loan if you use FPA.

Call 13 11 33 to enquire about the costs of purchasing and using the Flexible Payment Arrangement product option.

You’ve got your loan and bought your car, and you’re a happy motorist!

But if your car gets written off, loan repayments must still be met and that’s where Insurance Shortfall Protection (ISP) can help.

If your car is written off, ISP will cover any balance on your car loan, leaving you with peace of mind.

When does ISP apply?

  1. You have kept your car appropriately and comprehensively insured.
  2. Your car has been declared a total loss by your insurer, per the conditions of your insurance policy.
  3. A full settlement of the claim has been made by your insurer.
  4. There is an outstanding balance due on your loan after the insurance payout is fully applied to the loan.

Call 13 11 33 to enquire about the costs of purchasing and using the Flexible Payment Arrangement product option.

Application feeVaries
Equalisation feeStarting from 7.5%
Ongoing feeFrom $10 per month
Discharge fee$125
Start-up businessavailable
Bad creditavailable
Irregular incomeavailable

Did you know?

Custom car loans from Liberty look to help you move forward with car finance, even in the most difficult of financial circumstances. Not everyone has a perfect credit history, and many people with bad credit struggle to get a car loan.

Our ‘Out of the Box’ car loans allow us to design our loans individually for you. So if you need a lender who thinks differently about bad credit - contact Liberty today. your social media marketing partner

*Comparison rates are based on a secured $30,000 loan over a 5-year term. 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. ** Maximum loan amount for applicants under 23 years of age is $35,000. *** Maximum vehicle age applies.

^Other fees, charges and commissions may apply. ^^ The actual interest rate applicable will depend on our assessment criteria. ^^^ Promotion is for a limited time only. Advertised rates are on applications received from 2 July 2018 and settled by 31 August 2018.

Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2018 All rights reserved | Liberty Financial Pty Ltd | ABN 55 077 248 983 | Australian Credit Licence 286596 | Liberty Network Services Pty Ltd | ABN 65 151 158 628 | Australian Credit Licence 408042