Personal Loans
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Secured personal loan

From holidaying to consolidating, our secured personal loan offers the certainty of fixed repayments at a rate just for you.

Liberty Personal loans

Fixed repayments at a rate tailored to you

When opportunity knocks or unexpected expenses arise, a secured personal loan can help you take control and reach your goals.

  • Borrow up to $80,000

  • Loan terms up to 7 years

  • Vehicle required as security1C

  • Rates from 6.52% p.a. (6.95% p.a. comparison rate1A)

Easy to understand features, variables and fees

Features

Maximum loan amount
$80,000
Minimum loan amount
$5,000
Maximum loan term
7 years
Minimum loan term
3 years
Repayments weekly, fortnightly, monthly
Additional repayments
Interest on outstanding balance only
Online application (no paperwork)

Accepted purpose

For non-business purposes

Fees

Ongoing fee2A
$0
Early repayment fee
$0
Early termination fee
$0
Discharge fee
$0
Establishment fee
$310 - $1,0103A
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Get your rate online

Liberty’s personalised rates provide a fairer, better way to offer you a personal loan interest rate. With our online rate estimate, you can find out what personal loan interest rate applies to you in under two minutes. Checking your rate won't affect your credit score.

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

Ready to get moving?

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

Calculate your repayments

Our calculator can help you work out what your loan repayments could be.

Get your personalised rate

Get a personalised interest rate in 2 minutes with our online application. Checking your rate won't affect your credit score.

Apply online

Our streamlined application is fast and fuss free with funds delivered quickly.

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 secured personal loan FAQs

  • 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.

  • Your secured personal loan can be used for any predominantly personal or personal investment purpose, as long as it’s legal. Examples include debt consolidation, travel, renovations, investments, medical expenses, wedding costs or to purchase a boat or car.

  • Anyone over 18 years of age who is a citizen or permanent resident currently living in Australia, can apply for a Liberty secured 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.

  • An unsecured personal loan is not backed by any security. This means in the event that the loan is not repaid, the lender does not have any security it can recover to repay the amount owing. Secured personal loans are less risky for lenders and therefore tend to have more favourable terms than unsecured personal loans, such as lower interest rates.

  • 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.

  • Sometimes life throws the unexpected your way and things don't go according to plan – leaving you with a bad credit rating. Every borrower is different, which is why Liberty takes your current individual circumstances into consideration when assessing your application for a personal loan – even with a bad credit history. Discover your personalised rate here.

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Unsecured personal loan

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  • Borrow up to $80,000
  • Loan terms up to 7 years
  • Simple online application
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  • New and used cars accepted6
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Things you should know:

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.

1C Vehicle eligibility criteria and age restrictions apply. Vehicle must be a passenger car or light commercial vehicle under 5-tonne gross vehicle mass.

2AOther fees and charges may apply, such as dishonour and late fees.

3AThis fee ranges from $310 to $1,010, depending on your risk band, and includes a fee of up to $60 for vehicle search and registration (PPSR).

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.

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 where second-hand vehicles are used as security for the loan.

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

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

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.

Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2023 All rights reserved | Liberty Financial Pty Ltd ABN 55 077 248 983 | Credit provided by Secure Funding Pty Ltd ABN 25 081 982 872 | Australian Credit Licence 388133 | Both trading as Liberty Financial.