LibertySecured personal loan
Fixed repayments at a rate tailored to you
At a glance
- Fixed
- 6.20%6.63% comparison
- Loan size
- $5,000 to $80,000
- Monthly fee
- $0
How it compares
This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 6.20% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 4th lowest of 68, level with one other |
| Fixed personal loanRepayments stay the same for the term | 6.20% | 5.80%Plenti Personal Loan | 7.96%of 42 institutions | 4th lowest of 42, level with one other |
Rates
The one rate Liberty publishes for this personal loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedRates from 6.20% p.a. Secured personal loan interest rates will range from 6.20% p.a. to 19.19% p.a. and will depend on our assessment criteria and the personal loan product you qualify for. Comparis… | P&I | - | - | 6.20% | 6.63% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 21 Oct 2026 | Fixed, P&I | 5.67% | 6.20% | up 0.53 |
Each change is logged the night it appears in the rates Liberty Financial publishes. See how every lender answered the RBA on the rate tracker.
Fees
7 fees published, grouped by when they're charged.
- When you take it out$310 to $1,010Establishment fee
- While you hold itNo feeOngoing fee
- When you close it or pay it offVaries3 fees, each listed below
When you take it out1
- Establishment fee
This fee ranges from $310 to $1,010, depending on your risk band, and includes a fee of up to $60 for vehicle search and registration (PPSR).
$310 to $1,010
While you hold it1
- Ongoing fee
Other fees and charges may apply, such as dishonour and late fees.
No fee
If a payment is late or fails2
- Dishonour fee
Charged each time a repayment is dishonoured.
$10 - Late payment fee
Payable each month the loan is in default.
$25
When you close it or pay it off3
- Discharge feeNo fee
- Early repayment feeNo fee
- Early termination feeNo fee
Features
- Online application (no paperwork)
- Loan terms of 3, 5 or 7 years
- Repayments weekly, fortnightly, monthly
- Interest on outstanding balance only
- For non-business purposes
Eligibility and limits
- Minimum age 18
- Residency: Australian resident
- Employment: Employed
- Minimum income $20,000
- Amount $5,000 to $80,000
- Majority of income cannot be from Government benefits
- Vehicle eligibility criteria and age restrictions apply. Vehicle must be a passenger car or light commercial vehicle under 5-tonne gross vehicle mass
- Loan terms of 3, 5 or 7 years
Compare it with others
Put this product through a calculator
Published by Liberty Financial under the Consumer Data Right, last changed by them on 20 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.