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Liberty Financial personal loans
Liberty is a lender that was formed in 1997 and offers a wide range of loans for homes, cars, businesses and personal needs.
Liberty's innovative and flexible approach has allowed it to help over 600,000 customers by advancing more than $28 billion in funds over 22 years.
While Liberty does not operate branches, it does provide a network of mobile advisers to help customers find the right loan for them.
Personal Finance Editor
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Why choose Liberty Financial
Liberty Financial Personal Loans
Personal Loans calculator
Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated repayments
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- This is an estimate of how much you would pay (weekly/fortnightly/monthly) based on your borrowing amount, interest rate and loan term.
- Calculations assume that details entered into calculator, including interest rates, do not change for the lifetime of the loan.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given that some months are longer than others, interest charged by vary depending upon the month.
- The calculation rounds of the personal loan repayment to the closest dollar value without decimals.
- All calculations are estimates only; there are no guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Read our full disclaimer.
Features of a Liberty personal loan
Liberty’s personal loans focus on providing the money you need quickly and easily without the hassle of messy paperwork.
The whole application process is done online, and can be supported by an experienced lending specialist, who can usually get you an outcome within one to two days.
Liberty offers personal loans for a variety of purposes, including to pay for a car, a holiday, medical or dental work, debt consolidation, home improvement or to help pay for a wedding. The strongest borrowers may be rewarded with the lowest interest rates.
Liberty personal loans – customer service
Liberty offers phone customer service, and representatives are available to talk from 9am-5pm (AEST) between Monday and Friday.
Who is eligible for a Liberty personal loan?
To get a loan from Liberty, there are some basic eligibility requirements. You must:
- Be applying as an individual (no joint applications, or applications in your company or business name)
- Be a citizen or permanent resident of Australia and currently residing in Australia
- Be earning an income of at least $20,000 per year (you cannot be earning the majority of your income from Government benefits)
- Be at least 18 years of age
- Not have any outstanding defaults, court judgements, writs, or bankruptcies
- Not currently be late in paying any existing debts or bills
If you are self-employed, you must also:
- Have been trading for at least 2 years
- Provide the previous financial year's tax return, that shows income has been paid to you from your business, and the notice of assessment
- Be borrowing for predominantly personal or personal investment purposes
How to apply for a Liberty personal loan?
You can apply online, at any time, using a computer or any device that has an internet browser and internet connection. It should only take you about 10 minutes to complete your application. However if anything unexpected should pop up, just save your application and you can come back at any time.
Liberty personal loans review
Liberty offers flexible personal loan solutions – customers can also choose their repayment schedule; repayments can be made weekly, fortnightly or monthly; and there are no ongoing fees, or fees for closing the loan early.
Liberty’s personal loan rates and establishment fees vary from product to product. In general, Liberty personal loan interest rates are moderately low to very low, but may change depending on your credit history. Liberty’s specialists may be able to help you find the right products and personal loan interest rates for you.
If you’re looking for the best personal loan rates for your financial situation, it’s advisable to compare rates, fees and features before choosing your loan.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.
