Personal Loans
Excellent

Unsecured personal loan

Whether you’re starting out or starting over, get fast access to the funds you need. 100% online with rates tailored to you.

Liberty Personal loans

Fast funds with a personalised rate

Planning renovations, a holiday or debt consolidation? Make your grand plans a reality with fast access to funds via our easy online application.

  • Borrow up to $80,000

  • Loan terms up to 7 years

  • 100% online

  • Comparison rates from 7.24% p.a.1B

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
Online application (no paperwork)

Accepted purpose

Worthwhile non-business use

Fees

Ongoing fee2A
$0
Early repayment fee
$0
Early termination fee
$0
Discharge fee
$0
Establishment fee
$0 - $9503B
Liberty -coin

Check your rate now

Liberty personal loans provide the certainty of fixed repayments and no early exit fees if you decide to pay out the loan early. Use our online personal loan rate estimate to find out quickly what rate applies to you.

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 unsecured 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 unsecured personal loan can be used 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 car or boat.

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

  • An unsecured personal loan is not backed by any security. This means in the event that a 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 or higher lending amounts.

  • 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.

  • 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.

  • 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.

  • Getting your individual personal loan rate is quick, easy and won’t affect your credit score. You can learn your rate before you apply by clicking here and answering a few questions. You will receive your rate in just a few minutes and this rate won’t change if you then continue and submit a personal loan application with Liberty.

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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

Things you should know:

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.

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

3BThis fee ranges from between 0% to 5.50% of the loan amount, depending on your risk band. The fee is capped at $950.

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.

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.