Welcome!
Helping you drive away without all the paperwork.
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A sharp rate for an even better journey.
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(12.95%1)
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A loan you can shape to fit your needs.
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(15.98%1)
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For those who just want to get on with business.
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A product with a rate and size to fit your plans.
Rates per annum from
(6.95%1A)
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Get access to funds without an asset as security.
Rates per annum from
(7.24%1B)
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Get in the driver’s seat and see how much your loan repayments may be.
Learn more about car loans to help you get on the road sooner.
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 poor credit 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.
A secured car loan is one where the car being purchased becomes the security for the loan. If the borrower stops making payments toward the loan, the lender for the car loan may take possession of the car, with the proceeds of the sale going toward the outstanding balance. Liberty has a range of car loans to suit borrowers' needs. So, whether it's a new or a used car you are after, contact a Liberty Adviser today.
Liberty offers a range of car loan options to suit your circumstances, with some products offering the flexibility of weekly, fortnightly or monthly repayments. Calculate your estimated repayments online here.
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 poor 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.
Car loan interest rates will vary depending on many factors, including your deposit, loan term, vehicle choice and credit history. Having a fixed interest rate can help you stay in control of your finances, and you can usually make additional repayments to reduce the loan faster. You can calculate your estimated repayments now using our online car loan repayments calculator.
Pre-approval is a conditional approval for a loan based upon the information received at the time – including your financial situation. Pre-approval is not a guarantee but is an important part of the car loan process. One of the biggest benefits of pre-approval is that it can help you set a realistic budget, as you already know how much you can borrow, what the regular repayments will be and the car loan interest rate. Unconditional approval is provided once all documentation has been received and a final credit assessment has been conducted.
Sometimes known as a residual payment, a balloon payment is a lump sum due at the end of the car loan term to finalise the contract. The benefit is reduced monthly repayments over the loan term, which could make it easier to fit your car loan within your monthly budget. With a balloon, you will pay more interest over the life of the loan, and you will have to plan for the lump sum payment at the end of the loan term. Adding a balloon payment to your car loan is just one of the considerations you’ll have to make when financing a car. Others include car loan interest rates, your deposit size and loan term. Contact a Liberty Adviser today if you are interested in how a balloon payment could help you.
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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.
3Maximum vehicle age at the end of the loan terms is 8 years for any loan with a balloon repayment.
4If not registered for GST the maximum loan amount is $35k. The maximum loan amount for a start-up business is $50k.
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.
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.