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Unsecured personal loan
Whether you’re starting out or starting over, our unsecured personal loans offer fast access to funds. 100% online with rates tailored to you.
Unsecured personal loan
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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 of 3, 5 or 7 years
100% online
Comparison rates from 7.24% p.a.1B
Easy to understand features, variables and fees
Features
Accepted purpose
Fees
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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.
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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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All you need to know about personal loans: How they work, and how to go about getting one.
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Not limited to major purchases and debt consolidation, there are many reasons to consider a personal loan.
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Have you ever wondered why the interest rate on your credit card is so high?
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
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.