• Personalised rate
  • 3, 5 & 7 year loan terms
  • Quick turnaround
  • 2 min rate estimate
  • Flexible repayments
  • 100% online
  • Loans up to $80,000
  • No monthly fee or exit fees
  • Award-winning

Let us help make your dream come true in just two minutes


Our personal loans are for 3, 5 or 7 years and our rates start from as low as 6.95% (6.95% comparison rate)*. No ongoing fees and no hassles. Checking your personal loan interest rate will not affect your credit score.

Who can apply for a personal loan?

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

What determines my personal loan interest rate?

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.

Will my personal loan application affect my credit score?

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.

What can I use my personal loan for?

Your loan can be 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 boat or car.

When will I receive my personal loan funds?

If you accept your personal loan offer by 3pm, we’ll send your funds the same day. If you are with a major bank, you should receive the funds in your account on the same day. Otherwise you’ll likely receive the funds the following day.

Can I get a personal loan if I have bad credit history?

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.

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