- Contact us
- Call: 13 11 33
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Fresh start car loan
Think you're out of options due to bad credit? Our fresh start car loans can be shaped to your needs.
Fresh start car loan
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Shaping car finance to fit your needs
There are times in life when you hit a bump in the road. But we don’t think that should stop you moving forward with your car finance.
Borrow up to $50,0002
Loan terms up to 5 years
Poor credit history considered
Discounts apply for electric vehicles7
Rates from 12.45% p.a. (14.94% p.a. comparison rate1)
Easy to understand features, variables and fees
Features
Loan variables
Fees^
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Book a call back
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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 a low credit score 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.
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 bad 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.
Liberty offers a range of car loan options to suit your circumstances, with some products offering the flexibility of weekly, fortnightly or monthly repayments. We work with each customer to find a loan product that fits their circumstances. To get an idea of your loan repayments, check our online calculator.
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.
Ready to get moving?
Wherever you are in your journey, help is here however you need it.
Calculate your repayments
Our easy to use online calculator can help you work out what your loan repayments will be.
Contact a trusted adviser
Your local Liberty Adviser will be able to look at your lending options and help you decide the best way forward.
Request a call back
Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.
Our innovation and flexible solutions have helped over 850,000 free thinkers.
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.
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We’re highly awarded. But don’t just take our word for it...
Experts in free-thinking finance
Learn more about free-thinking loans
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We compare the benefits of getting a car loan through a broker or at the car dealership.
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Manage multiple debts better with a consolidation loan.
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 of 3, 5 or 7 years
- Vehicle required as security 1C
- Funds available for personal use
Rates per annum from
(6.95%1A)
Comparison rate
Unsecured personal loan
Get access to funds without an asset as security.
- Borrow up to $80,000
- Loan terms of 3, 5 or 7 years
- Simple online application
- Receive money quickly
Rates per annum from
(7.24%1B)
Comparison rate
Things you should know:
1Comparison rates are based on a secured $30,000 car loan over a 5-year term, with no balloon payment for a new car. 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 the loan to value ratio is above 120% based on Glass’s retail value. Additional interest rate loadings also apply where used vehicles are provided as security for the loan.
2Maximum loan amount for applicants under 23 years of age is $25,000.
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.
7An interest rate discount of 0.25% p.a. applies for new and used plug-in electrical vehicles. Hybrids excluded.
^Other fees, charges and commissions may apply.
^^Early termination fees such as break costs may apply.
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.