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Liberty Personal Loan

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Enjoy the flexibility and affordability offered by Liberty Personal Loan, where you only pay interest on what you spend.

If you’re looking for a convenient form of financing with a generous credit limit and flexibility, you may want to consider the Liberty Personal Loan. You can apply for a credit limit but then only pay for what you use, not the entire limit you have access to. This makes Liberty’s personal loan suitable for a range of purposes, including funding a holiday, making a large purchase, or even to keep as an emergency line of credit.

From 7.65% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount


Product NameLiberty Personal Loan
Interest Rate (p.a.)
From 7.65% (fixed)
Comparison Rate (p.a.)7.65%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$50,000
Loan SecurityUnsecured

Things to consider with the Liberty Personal Loan

The Personal Best loan comes with a fixed rate of 7.65% p.a., which is only applied to your current balance. You are required to pay a $950 establishment fee, but there are no ongoing fees or charges for redraw or ending the loan early. You can also make unlimited additional repayments. You can borrow up to $50,000 and terms are between 3 to 7 years.

What features come with this loan?

There are various features and benefits on offer with this loan, including:

  • Interest rate. No matter what your credit limit, you’ll only pay interest on the amount of credit you’ve used. Interest is charged at a competitive fixed rate of 7.65% p.a.
  • Loan amount. You can apply for a credit limit of between $5,000 and $50,000, making this loan suitable for a range of purposes and borrowers.
  • Repayment flexibility. Principal and interest repayments are required, but you can choose to make these weekly, fortnightly or monthly, depending on what works best for your budget.
  • Free redraw. You’re able to make unlimited additional repayments, which you can access via a free redraw facility.
  • Debit card access. You’ll be able to access your funds using a debit card, making for easy spending.
  • Easy application and quick funds disbursal. You can conveniently apply online in about ten minutes. If you bank with CommBank, you can receive your loan within five minutes of being approved. If you bank with another lender, your loan may take up to 24 hours to become available.

How much does the Liberty Personal Loan cost?

It’s important to consider the costs of a loan before you apply.

  • Interest rate (fixed): 7.65% p.a.
  • Establishment fee: 0% to 5.5% of loan amount, capped at $950 Depending on your risk band
  • No ongoing, redraw, early termination or discharge fees

Ready to apply?

You can get your application started by clicking “Go to Site”. First, make sure you meet the eligibility criteria outlined below:

  • Be over the age of 18
  • Be an Australian citizen or permanent resident
  • Be able to afford the repayments

You will need your personal and financial details on hand as well as your Internet banking details. The application process shouldn’t take longer than ten minutes.

Liberty offers a competitive loan, but remember there are similar offers available with other lenders, so compare your options before you apply.

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

Logo for Pepper Money Unsecured Fixed Rate Personal Loan
Pepper Money Unsecured Fixed Rate Personal Loan

You'll receive a fixed rate between 6.95% p.a. and 17.95% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Make additional repayments or pay off the loan early, penalty-free.

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