Rating based on 33 reviews

Liberty Loan

  • Car loans up to $100,000
  • Low-interest starting from 7.98%
  • Repayment up to 7 years

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Liberty homepage
Author Liberty. Screenshot of Liberty website.
[Accessed May 24, 2023]

About Liberty

Although a relatively new kid on the block, since 1997 Liberty has gone to great lengths to create and deliver truly flexible personal financing solutions.

Making genuinely personalised attention to detail and personal needs a priority has enabled Liberty to loan to clients often marginalised by more automated systems that simply follow legislated requirements.

Help for all

While never breaking rules, Liberty’s attention to the possibility of extending credit to people who are declined else was due largely to incorrect assimilation of their eligibility for a home or Liberty car loan has paid dividends.

Not only is the approach warm and thus welcome, but it has also made good business sense, as their holdings have grown substantially since inception. Young borrowers are welcome at Liberty and the company does not disadvantage first-time buyers on the basis of age or circumstances.

Over $19 billion in finance

Over a quarter of a million Australians have been funded to the tune of some $19 billion over the years and Liberty makes some effort to clinch deals other lenders seem to allow to fall through the cracks.

Presenting as a very smart and savvy online presence, Liberty has grasped the nuances of catering for its clientele and its staff are frequently the recipients of extra-mile service awards, both in-house and from an external appraisal.

Empowering free thinkers to achieve financial freedom

Liberty is a financial institution that firmly believes in the transformative power of free thinkers to bring about positive change in the world.

Their mission is to provide loan finance solutions that break away from conventional norms and cater to the distinct needs and aspirations of individuals. With a strong commitment to financial inclusivity, Liberty empowers its customers to pursue their dreams and enjoy the freedom to shape their own lives.

Having served over 700,000 free-thinking customers, Liberty offers a comprehensive range of loan options, including home, business, personal, car, commercial, and SMSF loans. Their personalised approach ensures that self-employed borrowers, overseas income earners, small business owners, and individuals with unique circumstances can find the right lending solution to meet their specific requirements.

Liberty Services

Liberty car loans are pitched at 6.69% against a comparative rate of 9.18% and their online loan application is seamless and slick, allowing any applicant to be done in around ten minutes.

Approval usually takes around a day. Interestingly, Liberty have a diversified portfolio of vehicle loan products, tailoring their offerings towards new personal vehicles, company car purchases, used vehicles and even clients who have a negative credit rating.

Diverse options

Few if any other lenders present such a detailed range of options with accompanying competitive interest rates and repayment schedules.

In terms of financing vehicles for a business, Liberty will finance vehicles up to twenty years of age, a particularly welcome input when it comes to trucks and work vehicles.


Experience the freedom of flexible car financing with Liberty! Liberty offers a wide range of car loan options designed to meet the unique needs of individuals. With competitive rates and customizable terms, Liberty puts you in control of your financing journey. Drive with confidence and enjoy the road ahead with Liberty Financial!

Liberty car loans in a nutshell

Flexible and competitive car loans tailored to individuals' needs

Liberty understands that everyone has different requirements. That's why they provide a variety of car loan options tailored to meet individual preferences. From secured to unsecured loans, Liberty offers competitive interest rates, starting from 7.87% p.a., and flexible repayment terms ranging from 2 to 7 years. With Liberty, you can drive your dream car while staying within your budget!

The gateway to hassle-free low-doc car finance

Say goodbye to the complexities of traditional financing and embrace a hassle-free experience with Liberty. They recognise the unique needs of self-employed individuals and offer low-doc car loans that cater to start-ups. They also accept alternative proof of income, ensuring a smoother financing process.

Unlock exclusive discounts for a greener ride with Liberty

Liberty is committed to a sustainable future. That's why they offer exclusive discounts of 0.25% p.a. on new and used plug-in electrical vehicles. By choosing them, not only will you enjoy the benefits of eco-friendly transportation, but you'll also save on your car loan.

Bad credit Liberty car loans

Even people with a negative credit rating can still access bad credit loans of up to $75000 with a seven-year repayment term option, something that really demonstrates their commitment to getting people moving no matter the usual obstacles.

Liberty – Car loan

  • Loan Type Car loans
  • Interest Rate from 7.98%
  • Loan Amount up to $100,000
  • Repayment 24 months to 7 years

Benefits of Liberty

  • Vehicle finance up to $100,000
  • Flexible loan terms up to 7 years
  • Competitive interest from 7.98%

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Liberty car loans: A cut above the rest

Although not accompanied by much fanfare, Liberty has a strong history of corporate social responsibility programs and substantial funds are directed at a number of Australian charities.

Coupled with their frank and unusual approach to potential clients with bad debt, Liberty shines out from the darkness as a company that has made a mission out of funding the marginalised and having fun and doing good while they’re at it.

Stable annual growth

With annual growth stable and promising, Liberty has both offered a broad and successful range of financial products while at the same time carving a niche where others have dared not follow.

A loyal following

This demonstrable care towards all potential customers has aided the building of a loyal following and many Australians now think first of Liberty when it comes to home and car loans.

While straightforward loan applications can expect approval within hours, their “out of the box” solutions like business loans as well as fleet applications for businesses may take a few days.

Ready to apply for your car loan?

Eligibility requirements for Liberty's car loans

  • Applicants must be at least 18 years old.
  • Applicants must be residents of Australia.
  • Proof of regular income or cash flow is necessary to evaluate loan affordability.
  • While a satisfactory credit history is preferred, Liberty considers applications from individuals with less-than-ideal credit.
  • The car loan is applicable to both new and used vehicles purchased from authorised dealerships or private sellers.

Application process with Liberty

  1. Online application: You can visit their official website and complete the car loan application form, providing personal and financial details along with the desired loan amount.
  2. Documentation: You're required to submit supporting documents, including identification, income proof, and bank statements, to authenticate the information provided in the application.
  3. Assessment and approval: Their team reviews the application and supporting documents to assess eligibility and determine loan affordability. Factors such as income, credit history, and vehicle value are taken into consideration.
  4. Loan offer: Upon approval, Liberty presents a loan offer specifying the loan amount, interest rate, repayment terms, and any associated fees or charges.
  5. Acceptance and disbursement: If you accept the loan offer, you proceed to sign the loan agreement.

After completion, the funds are disbursed either to your designated account or directly to the seller, finalising the car purchase.

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Liberty is a trusted & reliable provider of car loans

In our review, Liberty adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Liberty is a registered credit provider in Australia: ACL 408042

Customer Reviews & Testimonials

September 2018

Great support from liberty I could not have asked for better when going through a financial crisis they were there to assist me.

Jordan S
— Brisbane —

February 2019

I love liberty they are a large company that looks after all of their customers and help where they can.

Michelle B
— Sydney —

April 2019

Helped me get my loan very grateful for the support and would recommend them any day.

Mike B
— Perth —

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