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Frequently asked questions

We assess our borrowers based on a number of factors, such as their credit score and financial history. To find out what your rate will be, simply check your rate now. It takes just 2 minutes, is completely obligation free and won't affect your credit score.

Anyone who is over 18 years old and a citizen or permanent resident, currently living in Australia, who is employed and earns at least $20,000 per year (the majority of your income cannot be from Government benefits) can apply.

Liberty loans are from $5,000 to a maximum of $80,000, for either 3, 5 or 7 years. It should be noted however, that the maximum amount we will lend you depends on a number of factors including your credit history.

We have only one fee, an establishment fee, which starts at 0% for loans with an interest rate of 6.55% and goes up to 5.5% for loans with our highest annual rates. The establishment fee is added to your loan amount so that you are not out of pocket. There are no fees or penalties for early repayments.

You can use your Liberty loan for almost anything you want. You may not use your loan for anything illegal. Other than that, it’s pretty much up to you.

When you get a rate estimate from us we access your credit file in a way that is not visible to other credit providers and does not affect your credit score. When you submit a full loan application we do what is called a 'full credit enquiry' which other credit providers can see and which might affect your score.

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Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2025 All rights reserved | Liberty Network Services Pty Ltd (ABN 65 151 158 628/Australian Credit Licence 408042) is a wholly-owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248 983/Australian Credit Licence 286596). Liberty Network Services has access to products including those from Liberty Financial