Car Loans
Excellent

Car loan solutions for free thinkers

Flexible car loans that put you
in the driver’s seat.

What do you want to do?

Low doc car loan

Helping you drive away without all the paperwork.

  • Solutions for start-ups
  • Alternative proof of income
  • Borrow up to $100,0004
  • Balloon payment options

RATES PER ANNUM FROM

9.45%

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POPULAR

Flexible car loan

A sharp rate for an even better journey.

  • Borrow up to $100,0002
  • Loan terms up to 7 years
  • New and used cars accepted6
  • Balloon payment options3

RATES PER ANNUM FROM

9.15%

(12.95%1)

Comparison rate

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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

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Business car loan

For those who just want to get on with business.

  • Borrow up to $100,0004
  • Loan terms up to 7 years
  • New and used vehicles accepted6
  • Balloon payment options3

RATES PER ANNUM FROM

9.45%

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Other options to consider:

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

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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

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Liberty car loans

Want an idea of your repayments?

Get in the driver’s seat and see how much your loan repayments may be.

Experts in car loans for free thinkers

Learn more about car loans to help you get on the road sooner.

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.

  • A secured car loan is one where the car being purchased becomes the security for the loan. If the borrower stops making payments toward the loan, the lender may take possession of the car, with the proceeds of the sale going toward the outstanding balance. 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.

  • Liberty offers a range of car loan options to suit your circumstances, with some products offering the flexibility of weekly, fortnightly or monthly repayments. Calculate your estimated repayments online here.

  • 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.

  • Car loan interest rates will vary depending on many factors, including your deposit, loan term, vehicle choice and credit history. Having a fixed interest rate can help you stay in control of your finances, and you can usually make additional repayments to reduce the loan faster. You can calculate your estimated repayments now using our online car loan repayments calculator.

  • Pre-approval is a conditional approval for a loan based upon the information received at the time – including your financial situation. Pre-approval is not a guarantee but is an important part of the car loan process. One of the biggest benefits of pre-approval is that it can help you set a realistic budget, as you already know how much you can borrow, what the regular repayments will be and the car loan interest rate. Unconditional approval is provided once all documentation has been received and a final credit assessment has been conducted.

  • Sometimes known as a residual payment, a balloon payment is a lump sum due at the end of the car loan term to finalise the contract. The benefit is reduced monthly repayments over the loan term, which could make it easier to fit your car loan within your monthly budget. With a balloon, you will pay more interest over the life of the loan, and you will have to plan for the lump sum payment at the end of the loan term. Adding a balloon payment to your car loan is just one of the considerations you’ll have to make when financing a car. Others include car loan interest rates, your deposit size and loan term. Contact a Liberty Adviser today if you are interested in how a balloon payment could help you.

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Other types of loans for free thinkers

Things you should know:

1This comparison rate is based on a secured $30,000 car 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. The actual interest rate applicable will depend on our assessment criteria. Higher interest rates apply for second-hand vehicles.

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

3Maximum vehicle age at the end of the loan terms is 8 years for any loan with a balloon repayment.

4If not registered for GST the maximum loan amount is $35k. The maximum loan amount for a start-up business is $50k.

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.

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.