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Unsecured Personal Loans - Get a Personalised Loan Rate Today
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To find out what your personal loan interest rate will be, check your tailored rate \u003Ca href=\"https://personal.liberty.com.au/apply\">here\u003C/a>. It takes just two minutes and is completely obligation free.\u003C/p>"}},{"@type":"Question","name":"What can I use my unsecured personal loan for?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>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, \u003Ca href=\"/personal-loans/home-renovation-loan\" uuid=\"19a6a015-9315-486f-8721-9c4c38e1a785\" target=\"_self\" story=\"[object Object]\">renovations\u003C/a>, \u003Ca href=\"/personal-loans/holiday-loans\" uuid=\"e384d136-10f6-4e7c-8c47-e3e52240bc02\" target=\"_self\" story=\"[object Object]\">travel\u003C/a>, investments, \u003Ca href=\"/personal-loans/medical-loans\" uuid=\"2aa537c6-0dad-47b9-ae10-3e99e8052e68\" target=\"_self\" story=\"[object Object]\">medical expenses\u003C/a>, wedding costs or to purchase a car or boat.\u003C/p>"}},{"@type":"Question","name":"Who can apply for an unsecured personal loan?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>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).\u003C/p>"}},{"@type":"Question","name":"How does a secured loan differ from an unsecured loan?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>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.\u003C/p>"}},{"@type":"Question","name":"Will my personal loan application affect my credit score?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>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.\u003C/p>"}},{"@type":"Question","name":"What is a target market determination?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>A target market determination describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also outlines who can distribute our products, how they can do this, and examples of situations when we may need to review our products and the target market. 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767w, https://a.storyblok.com/f/148182/750x630/f54e2a9ff3/personal-loans.webp/m/1534x1260/filters:format(webp):quality(80) 1534w" class="w-full h-full object-cover" src="https://a.storyblok.com/f/148182/750x630/f54e2a9ff3/personal-loans.webp/m/1534x1260/filters:format(webp):quality(80)" data-v-6d8badd4></div><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10" data-v-6d8badd4><!--[--><div class="relative lg:h-[635px] flex flex-col justify-center col-span-full lg:col-span-5 max:col-span-5 pt-10 pb-10 px-4 lg:px-0 text-center lg:text-left gradient-loan-personal" data-v-6d8badd4><div class="flex items-center justify-center flex-wrap mb-4 mx-0 lg:mb-6 bg-font-gray bg-opacity-20 justify-center text-white border-0 rounded-full py-2 px-0 w-auto" data-v-6d8badd4><div class="flex items-center justify-center"><span class="font-bold text-lg mr-2 sm:mr-3 block">Excellent</span><img src="//images-static.trustpilot.com/api/stars/5/star.svg" alt loading="lazy" class="inline-block w-20 sm:w-32 mr-3" width="128" height="28"></div><div class="flex items-center justify-center sm:mt-0 sm:w-auto"><!----><!----><img src="https://images-static.trustpilot.com/api/logos/dark-bg/logo.svg" alt="Trustpilot Logo" format="webp" class="w-20 sm:w-24 inline-block" loading="lazy" width="96" height="24"></div></div><h1 class="text-h1-sm font-heavy text-white lg:text-h1 mb-4" data-v-6d8badd4>Unsecured personal loan</h1><h2 class="text-h5-sm text-white mb-8 md:text-h5" data-v-6d8badd4>Whether you’re starting out or starting over, our unsecured personal loans offer fast access to funds. 100% online with rates tailored to you.</h2><div class="flex flex-col lg:flex-row lg:flex-wrap lg:items-center gap-3 mt-0" data-v-6d8badd4><!--[--><!--]--><!----></div></div><!--]--></div><!--]--></div><div data-v-6d8badd4><div class="hidden absolute bottom-0 left-0 z-1 w-full h-full lg:rounded-xl lg:overflow-hidden lg:flex lg:flex-col justify-end pointer-events-none print:bg-white" style="background:linear-gradient(90.02deg, #8D32F7 0.01%, #6C1CC9 99.97%);opacity:0;" data-v-6d8badd4><div class="flex items-center justify-center h-[150px] pb-[36px]" data-v-6d8badd4><p class="font-heavy text-white text-h4" data-v-6d8badd4>Unsecured personal loan</p></div></div><div class="absolute z-2 top-full left-1/2 -translate-x-1/2 lg:-translate-x-0 lg:left-10 lg:right-10 -translate-y-1/2 bg-white rounded-full lg:rounded-2xl shadow-card print:bg-white" data-v-6d8badd4><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10" data-v-6d8badd4><!--[--><!--[--><div class="lg:flex hidden items-center h-[72px]"><ul class="list-none flex items-center gap-x-5 text-deep-sapphire whitespace-nowrap"><li><a href="#summary" class="hover:underline">Summary</a></li><li><a href="#features" class="hover:underline">Features</a></li><li><a href="#how-it-works" class="hover:underline">How we help</a></li><li><a href="#why-liberty" class="hover:underline">Why Liberty</a></li><li><a href="#faqs" class="hover:underline">FAQs</a></li></ul><span></span><!--[--><a href class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-sm h-[38px] py-2 px-4 text-white hover:underline focus:underline active:underline bg-button hover:bg-button-hover focus:bg-button-hover active:bg-button-pressed print:hidden cursor-pointer ml-4 cursor-pointer cursor-pointer ml-4" target="_blank" data-v-bb2882cf><!--[--><!--[-->Get my personalised rate<!--]--><!--]--><!--[--><!--]--></a><!--]--></div><div class="lg:hidden flex items-center h-10"><span></span></div><!--]--><!--]--></div></div></div></div><!----></div><div class="max:container w-full mx-auto lg:px-10 mt-9 px-3 print:hidden"><!--[--><nav aria-label="breadcrumb"><ul class="text-deep-sapphire text-sm leading-normal breadcrumb"><!--[--><li aria-current="false" class="inline breadcrumb-item after:content-slash after:mx-2.5"><a href="/" class="inline-block underline 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srcset="https://a.storyblok.com/f/148182/974x766/bfeaff9d49/personal-loans-icon.png/m/380x380/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/974x766/bfeaff9d49/personal-loans-icon.png/m/760x760/filters:format(webp):quality(80) 2x" class="block mx-auto w-[200px] sm:w-[380px] print:hidden" src="https://a.storyblok.com/f/148182/974x766/bfeaff9d49/personal-loans-icon.png/m/380x380/filters:format(webp):quality(80)"></div><div class="lg:text-left col-span-full lg:col-span-5 order-2"><div class="content richtext"><div class="wysiwyg"><!--[--><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><h2><strong>Fast funds with a personalised rate</strong></h2><p>Planning renovations, a holiday or debt consolidation? Make your grand plans a reality with fast access to funds via our easy online application.</p><ul><li><p>Borrow up to $80,000</p></li><li><p>Loan terms of 3, 5 or 7 years</p></li><li><p>100% online</p></li><li><p>Comparison rates from 7.24% p.a.<sup><span class="superscript"><!--[-->1B<!--]--></span></sup></p></li></ul><!--]--></div></div><!--]--></div><!----></div></div><!--]--></div><!--]--></div></div><div id="features" class="gradient-grey-top print:bg-white py-4 lg:pt-14 lg:pb-8 print:pb-3 print:pt-0"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10 print:bg-white"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10"><!--[--><div class="col-end-13 col-start-1 lg:col-start-3 lg:col-end-11"><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10 gap-y-0 lg:gap-y-8 print:bg-white"><!--[--><div class="text-center col-end-13 col-start-1 lg:col-start-2 lg:col-end-12 mx-auto"><h3 class="text-deep-sapphire font-heavy text-h4-sm md:text-h3 mb-6 md:mb-5 print:text-h5">Easy to understand features, variables and fees</h3></div><div class="col-span-12 md:columns-2 md:gap-10 print:bg-white"><div class="border-t md:border-0 border-grey-400 print:border-0 print:bg-white md:mb-20 list print:bg-white"><h3 class="text-xl text-deep-sapphire font-heavy mb-3 pt-3 md:pt-0 relative pr-6 md:pr-0 cursor-pointer md:cursor-default print:pt-2 print:mb-2"><span class="print:text-body">Features</span><div class="block md:hidden print:hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-4 h-4 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2"><path d="M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99h144v-144C192 62.32 206.33 48 224 48s32 14.32 32 32.01v144h144c17.7-.01 32 14.29 32 31.99"/></svg></div></h3><!----><div class="print:hidden"><!--[--><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Maximum loan amount</div><div class="text-right"><span>$80,000</span></div></div><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Minimum loan amount</div><div class="text-right"><span>$5,000</span></div></div><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Loan terms</div><div class="text-right"><span>3, 5 or 7 years</span></div></div><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Repayments weekly, fortnightly, monthly</div><div class="text-right"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" class="w-5 h-5 fill-success inline-block"><path d="M0 256C0 114.6 114.6 0 256 0s256 114.6 256 256-114.6 256-256 256S0 397.4 0 256m371.8-44.2c10.9-10.9 10.9-28.7 0-39.6s-28.7-10.9-39.6 0L224 280.4l-44.2-44.2c-10.9-10.9-28.7-10.9-39.6 0s-10.9 28.7 0 39.6l64 64c10.9 10.9 28.7 10.9 39.6 0z"/></svg></div></div><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Additional repayments</div><div class="text-right"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" class="w-5 h-5 fill-success inline-block"><path d="M0 256C0 114.6 114.6 0 256 0s256 114.6 256 256-114.6 256-256 256S0 397.4 0 256m371.8-44.2c10.9-10.9 10.9-28.7 0-39.6s-28.7-10.9-39.6 0L224 280.4l-44.2-44.2c-10.9-10.9-28.7-10.9-39.6 0s-10.9 28.7 0 39.6l64 64c10.9 10.9 28.7 10.9 39.6 0z"/></svg></div></div><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Online application (no paperwork)</div><div class="text-right"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" class="w-5 h-5 fill-success inline-block"><path d="M0 256C0 114.6 114.6 0 256 0s256 114.6 256 256-114.6 256-256 256S0 397.4 0 256m371.8-44.2c10.9-10.9 10.9-28.7 0-39.6s-28.7-10.9-39.6 0L224 280.4l-44.2-44.2c-10.9-10.9-28.7-10.9-39.6 0s-10.9 28.7 0 39.6l64 64c10.9 10.9 28.7 10.9 39.6 0z"/></svg></div></div><!--]--></div></div><div class="border-t md:border-0 border-grey-400 print:border-0 print:bg-white md:mb-11 list print:bg-white"><h3 class="text-xl text-deep-sapphire font-heavy mb-3 pt-3 md:pt-0 relative pr-6 md:pr-0 cursor-pointer md:cursor-default print:pt-2 print:mb-2"><span class="print:text-body">Accepted purpose</span><div class="block md:hidden print:hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-4 h-4 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2"><path d="M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99h144v-144C192 62.32 206.33 48 224 48s32 14.32 32 32.01v144h144c17.7-.01 32 14.29 32 31.99"/></svg></div></h3><!----><div class="print:hidden"><!--[--><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Worthwhile non-business use </div><div class="text-right"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" class="w-5 h-5 fill-success inline-block"><path d="M0 256C0 114.6 114.6 0 256 0s256 114.6 256 256-114.6 256-256 256S0 397.4 0 256m371.8-44.2c10.9-10.9 10.9-28.7 0-39.6s-28.7-10.9-39.6 0L224 280.4l-44.2-44.2c-10.9-10.9-28.7-10.9-39.6 0s-10.9 28.7 0 39.6l64 64c10.9 10.9 28.7 10.9 39.6 0z"/></svg></div></div><!--]--></div></div><div class="border-t md:border-0 border-grey-400 print:border-0 print:bg-white list print:bg-white"><h3 class="text-xl text-deep-sapphire font-heavy mb-3 pt-3 md:pt-0 relative pr-6 md:pr-0 cursor-pointer md:cursor-default print:pt-2 print:mb-2"><span class="print:text-body">Fees</span><div class="block md:hidden print:hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-4 h-4 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2"><path d="M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99h144v-144C192 62.32 206.33 48 224 48s32 14.32 32 32.01v144h144c17.7-.01 32 14.29 32 31.99"/></svg></div></h3><!----><div class="print:hidden"><!--[--><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Ongoing fee<sup>2A</sup></div><div class="text-right"><span>$0</span></div></div><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Early repayment fee</div><div class="text-right"><span>$0</span></div></div><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Early termination fee</div><div class="text-right"><span>$0</span></div></div><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Discharge fee</div><div class="text-right"><span>$0</span></div></div><div class="flex justify-between items-center py-2 border-b border-b-grey-400"><div class="text-base">Establishment fee</div><div class="text-right"><span>$0 - $950<sup>3B</sup></span></div></div><!--]--></div></div></div><!--]--></div></div><!--]--></div><!----><!--]--></div><div class="mt-10 lg:mt-14 text-center print:hidden"><!--[--><button class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-md p-0 underline hover:underline focus:underline active:underline text-button text-button-hover focus:text-button-hover active:text-button-pressed print:hidden cursor-pointer mx-4 mb-4 md:mb-0 cursor-pointer cursor-pointer mx-4 mb-4 md:mb-0" data-v-bb2882cf><!--[--><!--[-->Things you should know<!--]--><!--]--><!--[--><!--]--></button><!--]--></div></div><div id class="my-10 lg:my-20 print:bg-white print:pt-0 print:pb-3"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10 items-center"><!--[--><div class="col-span-full lg:col-span-5 order-1 lg:order-3"><img onerror="this.setAttribute('data-error', 1)" width="380" height="380" alt="Liberty -coin" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/760x634/453b469ee3/icon-calculator-resized.png/m/380x380/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/760x634/453b469ee3/icon-calculator-resized.png/m/760x760/filters:format(webp):quality(80) 2x" class="block mx-auto w-[200px] sm:w-[380px] print:hidden" src="https://a.storyblok.com/f/148182/760x634/453b469ee3/icon-calculator-resized.png/m/380x380/filters:format(webp):quality(80)"></div><div class="lg:text-left col-span-full lg:col-span-5 order-2 lg:col-start-2"><div class="content richtext"><div class="wysiwyg"><!--[--><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><h2><strong>Check your rate now</strong></h2><p>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.</p><!--]--></div></div><!--]--></div><div class="mt-7 lg:mt-10 flex flex-wrap gap-4 lg:gap-6 justify-center lg:justify-start"><!--[--><a href class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-sm h-[38px] py-2 px-4 text-white hover:underline focus:underline active:underline bg-button hover:bg-button-hover focus:bg-button-hover active:bg-button-pressed print:hidden cursor-pointer" target="_blank" gtm-category="Products" gtm-action="Click" gtm-label="Open-Form-PLO-Products" gtm-value data-v-bb2882cf><!--[--><!--[-->Get my rate <!--]--><!--]--><!--[--><!--]--></a><a href data-identifier="hpt-apply-online" class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-sm p-0 underline hover:underline focus:underline active:underline text-button text-button-hover focus:text-button-hover active:text-button-pressed print:hidden cursor-pointer" target="_blank" gtm-category="Products" gtm-action="Click" gtm-label="Open-Form-PLO-Products" gtm-value data-v-bb2882cf><!--[--><!--[-->Apply online<!--]--><!--]--><!--[--><!--]--></a><!--]--><!----></div></div></div><!--]--></div><!--]--></div></div><div class="overflow-hidden my-14 print:hidden"><div class><div class="max:container w-full mx-auto px-0 relative"><!--[--><!----><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10 px-4 md:px-8 lg:px-10"><!--[--><div class="col-span-full lg:col-start-3 lg:col-end-11 mx-auto mb-12"><h3 class="font-heavy text-h3-sm md:text-h3 font-nexa text-center text-deep-sapphire">Our innovation and flexible solutions have helped over 850,000 free thinkers.</h3></div><!--]--></div><span></span><!--]--></div></div></div><div id="how-it-works" class="my-10 lg:my-20"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10 print:hidden"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10" multirow><!--[--><div class="text-center col-end-13 col-start-1 mx-auto"><h3 class="font-heavy text-h3-sm md:text-h3 font-nexa text-deep-sapphire md:text-h3 mb-4 md:mb-5">Ready to get moving?</h3><p class="text-center text-body text-font-grey font-normal pb-6">Wherever you are in your journey, help is here however you need it.</p></div><!--[--><div class="col-span-12 md:col-span-4"><div class="relative bg-white shadow-card hover:shadow-card-hover transition-shadow duration-200 ease-in-out p-5 rounded-xl h-full"><a href="/personal-loans/calculators/loan-repayments" class="cursor-pointer"><!--[--><h4 class="font-heavy text-h5 mb-5" style="color:#3A92CB;">Calculate your repayments</h4><!--]--></a><p class="pb-16">Our calculator can help you work out what your loan repayments could be.</p><div class="absolute bottom-4"><!--[--><a href="/personal-loans/calculators/loan-repayments" class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-sm h-[38px] py-2 px-4 border-2 hover:underline focus:underline active:underline text-deep-sapphire border-deep-sapphire print:hidden max-w-full cursor-pointer max-w-full" data-v-bb2882cf><!--[--><!--[-->Loan repayment calculator<!--]--><!--]--><!--[--><!--]--></a><!--]--></div></div></div><div class="col-span-12 md:col-span-4"><div class="relative bg-white shadow-card hover:shadow-card-hover transition-shadow duration-200 ease-in-out p-5 rounded-xl h-full"><a href="https://personal.liberty.com.au/apply" rel="noopener noreferrer" target="_blank" class="cursor-pointer flex items-center"><!--[--><h4 class="font-heavy text-h5 mb-5" style="color:#3A92CB;">Get your personalised rate</h4><!--]--></a><p class="pb-16">Get a personalised interest rate in 2 minutes with our online application. Checking your rate won't affect your credit score.</p><div class="absolute bottom-4"><!--[--><a href class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-sm h-[38px] py-2 px-4 border-2 hover:underline focus:underline active:underline text-deep-sapphire border-deep-sapphire print:hidden max-w-full cursor-pointer max-w-full" target="_blank" data-v-bb2882cf><!--[--><!--[-->Get my personalised rate<!--]--><!--]--><!--[--><!--]--></a><!--]--></div></div></div><div class="col-span-12 md:col-span-4"><div class="relative bg-white shadow-card hover:shadow-card-hover transition-shadow duration-200 ease-in-out p-5 rounded-xl h-full"><a href="https://personal.liberty.com.au/apply" rel="noopener noreferrer" target="_blank" class="cursor-pointer flex items-center"><!--[--><h4 class="font-heavy text-h5 mb-5" style="color:#3A92CB;">Apply online</h4><!--]--></a><p class="pb-16">Our streamlined application is fast and fuss free with funds delivered quickly.</p><div class="absolute bottom-4"><!--[--><a href class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-sm h-[38px] py-2 px-4 border-2 hover:underline focus:underline active:underline text-deep-sapphire border-deep-sapphire print:hidden max-w-full cursor-pointer max-w-full" target="_blank" data-v-bb2882cf><!--[--><!--[-->Apply now<!--]--><!--]--><!--[--><!--]--></a><!--]--></div></div></div><!--]--><!--]--></div><!--]--></div></div><div id="why-liberty" class="my-14 lg:my-20 print:hidden"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10 mb-5 lg:mb-10"><!--[--><div class="col-span-full lg:col-span-8 lg:col-start-3 text-center"><h3 class="text-deep-sapphire font-heavy text-h4 md:text-h3 mb-4 md:mb-5">Free thinkers like us see the possible!</h3><p class="text-lg md:text-2xl">When others see the impossible, we look past that and see what we can achieve together.</p></div><!--]--></div><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10"><!--[--><div class="col-span-full lg:col-span-10 lg:col-start-2"><div class="grid grid-cols-1 md:grid-cols-2 gap-5 md:gap-10" multirow><!--[--><!--[--><div class="col-span-1"><div class="shadow-card rounded-lg pl-12 pr-3 py-3 relative h-full lg:py-4"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" class="fill-cerulean w-5 h-5 absolute left-3 top-4"><path d="M22.862 23.931V0L0 23.931z"/></svg><div><p>We’ve helped more than<b> 850,000</b> customers get financial.</p></div></div></div><div class="col-span-1"><div class="shadow-card rounded-lg pl-12 pr-3 py-3 relative h-full lg:py-4"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" class="fill-cerulean w-5 h-5 absolute left-3 top-4"><path d="M22.862 23.931V0L0 23.931z"/></svg><div><p>Supporting free thinkers from diverse backgrounds for over <b>25 years</b>.</p></div></div></div><div class="col-span-1"><div class="shadow-card rounded-lg pl-12 pr-3 py-3 relative h-full lg:py-4"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" class="fill-cerulean w-5 h-5 absolute left-3 top-4"><path d="M22.862 23.931V0L0 23.931z"/></svg><div><p>Proudly<b> B Corp certified </b>to make a difference beyond borrowing.</p></div></div></div><div class="col-span-1"><div class="shadow-card rounded-lg pl-12 pr-3 py-3 relative h-full lg:py-4"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" class="fill-cerulean w-5 h-5 absolute left-3 top-4"><path d="M22.862 23.931V0L0 23.931z"/></svg><div><p>Championing <b>women in sport</b> to make a difference on and off the field.</p></div></div></div><!--]--><!--]--></div></div><!--]--></div><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10 mt-10 lg:mt-12"><!--[--><div class="col-span-full lg:col-span-6 lg:col-start-4 text-center"><div class="mb-6 md:mb-8 text-base md:text-body description"><!--[--><!--]--></div><!--[--><a href="/about-us" class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-md h-12 py-2.5 px-5 border-2 hover:underline focus:underline active:underline text-deep-sapphire border-deep-sapphire print:hidden cursor-pointer" data-v-bb2882cf><!--[--><!--[-->About Liberty<!--]--><!--]--><!--[--><!--]--></a><!--]--></div><!--]--></div><!--]--></div></div><div id="faqs" class="my-10 lg:my-14 print:hidden"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10"><!--[--><div class="col-end-13 col-start-1 lg:col-start-3 lg:col-end-11"><h3 class="font-heavy text-h3-sm md:text-h3 font-nexa mt-6 text-deep-sapphire mb-12 text-center">Liberty unsecured personal loan FAQs</h3><!----><ul><!--[--><li class="border-grey-400 border-t first:border-b-0 last:border-b" data-v-81d4659d><div data-v-81d4659d><h4 class="text-body md:text-h5 font-bold text-font-gray" data-v-81d4659d><button type="button" class="relative pr-8 py-3 px-0 sm:py-5 sm:pl-5 w-full text-gray-500 text-left font-medium" data-v-81d4659d>What determines my personal loan interest rate? <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-5 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2" data-v-81d4659d=""><path d="M400 288H48c-17.69 0-32-14.32-32-32.01S30.31 224 48 224h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288"/></svg></button></h4></div><div style class="description overflow-hidden" data-v-81d4659d><div class="sm:px-5 sm:pb-5" data-v-81d4659d><!--[--><!--[--><div class="richtext"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><p>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 <a href="https://personal.liberty.com.au/apply" class="text-persian-blue underline hover:no-underline"><!--[-->here<!--]--></a>. It takes just two minutes and is completely obligation free.</p><!--]--></div></div></div><!--]--><!--]--></div></div></li><li class="border-grey-400 border-t first:border-b-0 last:border-b" data-v-81d4659d><div data-v-81d4659d><h4 class="text-body md:text-h5 font-bold text-font-gray" data-v-81d4659d><button type="button" class="relative pr-8 py-3 px-0 sm:py-5 sm:pl-5 w-full text-gray-500 text-left font-medium" data-v-81d4659d>What can I use my unsecured personal loan for? <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-5 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2" data-v-81d4659d=""><path d="M400 288H48c-17.69 0-32-14.32-32-32.01S30.31 224 48 224h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288"/></svg></button></h4></div><div style class="description overflow-hidden" data-v-81d4659d><div class="sm:px-5 sm:pb-5" data-v-81d4659d><!--[--><!--[--><div class="richtext"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><p>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, <a href="/personal-loans/home-renovation-loan" class="text-persian-blue underline hover:no-underline"><!--[-->renovations<!--]--></a>, <a href="/personal-loans/holiday-loans" class="text-persian-blue underline hover:no-underline"><!--[-->travel<!--]--></a>, investments, <a href="/personal-loans/medical-loans" class="text-persian-blue underline hover:no-underline"><!--[-->medical expenses<!--]--></a>, wedding costs or to purchase a car or boat.</p><!--]--></div></div></div><!--]--><!--]--></div></div></li><li class="border-grey-400 border-t first:border-b-0 last:border-b" data-v-81d4659d><div data-v-81d4659d><h4 class="text-body md:text-h5 font-bold text-font-gray" data-v-81d4659d><button type="button" class="relative pr-8 py-3 px-0 sm:py-5 sm:pl-5 w-full text-gray-500 text-left font-medium" data-v-81d4659d>Who can apply for an unsecured personal loan? <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-5 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2" data-v-81d4659d=""><path d="M400 288H48c-17.69 0-32-14.32-32-32.01S30.31 224 48 224h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288"/></svg></button></h4></div><div style class="description overflow-hidden" data-v-81d4659d><div class="sm:px-5 sm:pb-5" data-v-81d4659d><!--[--><!--[--><div class="richtext"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><p>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).</p><!--]--></div></div></div><!--]--><!--]--></div></div></li><li class="border-grey-400 border-t first:border-b-0 last:border-b" data-v-81d4659d><div data-v-81d4659d><h4 class="text-body md:text-h5 font-bold text-font-gray" data-v-81d4659d><button type="button" class="relative pr-8 py-3 px-0 sm:py-5 sm:pl-5 w-full text-gray-500 text-left font-medium" data-v-81d4659d>How does a secured loan differ from an unsecured loan? <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-5 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2" data-v-81d4659d=""><path d="M400 288H48c-17.69 0-32-14.32-32-32.01S30.31 224 48 224h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288"/></svg></button></h4></div><div style class="description overflow-hidden" data-v-81d4659d><div class="sm:px-5 sm:pb-5" data-v-81d4659d><!--[--><!--[--><div class="richtext"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><p>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.</p><!--]--></div></div></div><!--]--><!--]--></div></div></li><li class="border-grey-400 border-t first:border-b-0 last:border-b" data-v-81d4659d><div data-v-81d4659d><h4 class="text-body md:text-h5 font-bold text-font-gray" data-v-81d4659d><button type="button" class="relative pr-8 py-3 px-0 sm:py-5 sm:pl-5 w-full text-gray-500 text-left font-medium" data-v-81d4659d>Will my personal loan application affect my credit score? <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-5 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2" data-v-81d4659d=""><path d="M400 288H48c-17.69 0-32-14.32-32-32.01S30.31 224 48 224h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288"/></svg></button></h4></div><div style class="description overflow-hidden" data-v-81d4659d><div class="sm:px-5 sm:pb-5" data-v-81d4659d><!--[--><!--[--><div class="richtext"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><p>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.</p><!--]--></div></div></div><!--]--><!--]--></div></div></li><!--]--></ul><span></span></div><!--]--></div><!--]--></div></div><div id="book-a-call-back" class="print:hidden"><div class="relative px-2 py-14 lg:p-12"><img onerror="this.setAttribute('data-error', 1)" width="800" alt="bg" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/2880x1566/2af18bd4d9/book_a_call_background.jpg/m/800x0/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/2880x1566/2af18bd4d9/book_a_call_background.jpg/m/1600x0/filters:format(webp):quality(80) 2x" class="absolute z-1 inset-0 w-full h-full object-cover" src="https://a.storyblok.com/f/148182/2880x1566/2af18bd4d9/book_a_call_background.jpg/m/800x0/filters:format(webp):quality(80)"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="relative z-2 mx-auto h-full justify-center bg-white rounded-[18px] sm:p-8 lg:p-12 sm:my-12 md:flex items-stretch"><div class="w-full h-auto hidden md:block md:w-2/5"><img onerror="this.setAttribute('data-error', 1)" alt="Discover the possibilities" data-nuxt-img srcset="https://a.storyblok.com/f/148182/439x497/366aaab58a/discover_the_possibilities.jpg/m/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/439x497/366aaab58a/discover_the_possibilities.jpg/m/filters:format(webp):quality(80) 2x" class="w-full h-full object-cover rounded-[8px] bg-cover bg-grey-100" src="https://a.storyblok.com/f/148182/439x497/366aaab58a/discover_the_possibilities.jpg/m/filters:format(webp):quality(80)"></div><div class="md:pl-8 md:flex-1 p-6 md:p-6"><div><h2 class="text-h2-sm font-heavy text-deep-sapphire mb-4 sm:text-h2">Prefer someone else to do the work for you?</h2><p class="text-body text-font-gray leading-normal mb-6">Enter a few details and we'll arrange for your local Liberty Adviser to call you back.</p><!--[--><form data-identifier="book-a-call" data-group="lead" class="formkit-form" id="baseForm" name="baseForm" data-auto-animate="true"><!--[--><div class="grid grid-cols-1 md:grid-cols-2 gap-4"><!--[--><div class="formkit-outer relative group col-span-2 md:col-span-1" data-family="text" data-type="text" data-empty="true" data-floating-label="true" data-auto-animate="true"><div class="formkit-wrapper"><div class="formkit-inner flex text-font-storm bg-white w-full rounded-lg border border-grey-500 group-hover:border-deep-sapphire items-center transition-colors duration-200 ease-in-out place-items-center"><!----><!----><input class="formkit-input bg-white w-full h-12 py-3 rounded-lg p-4 text-lg leading-tighter text-font-gray placeholder:text-font-storm outline-none focus:shadow-outline transition-colors duration-200 ease-in-out" type="text" name="FormFirstName" value id="FormFirstName"><!----><!----><label class="formkit-label whitespace-nowrap overflow-hidden text-ellipsis text-lg leading-tighter text-font-storm" for="FormFirstName" style="transition: none; background-color: undefined; left: undefined;">First Name</label></div></div><!----><!----></div><div class="formkit-outer relative group col-span-2 md:col-span-1" data-family="text" data-type="text" data-empty="true" data-floating-label="true" data-auto-animate="true"><div class="formkit-wrapper"><div class="formkit-inner flex text-font-storm bg-white w-full rounded-lg border border-grey-500 group-hover:border-deep-sapphire items-center transition-colors duration-200 ease-in-out place-items-center"><!----><!----><input class="formkit-input bg-white w-full h-12 py-3 rounded-lg p-4 text-lg leading-tighter text-font-gray placeholder:text-font-storm outline-none focus:shadow-outline transition-colors duration-200 ease-in-out" type="text" name="FormLastName" value id="FormLastName"><!----><!----><label class="formkit-label whitespace-nowrap overflow-hidden text-ellipsis text-lg leading-tighter text-font-storm" for="FormLastName" style="transition: none; background-color: undefined; left: undefined;">Last Name</label></div></div><!----><!----></div><div class="formkit-outer relative group col-span-2" data-family="text" data-type="email" data-empty="true" data-floating-label="true" data-auto-animate="true"><div class="formkit-wrapper"><div class="formkit-inner flex text-font-storm bg-white w-full rounded-lg border border-grey-500 group-hover:border-deep-sapphire items-center transition-colors duration-200 ease-in-out place-items-center"><!----><!----><input class="formkit-input bg-white w-full h-12 py-3 rounded-lg p-4 text-lg leading-tighter text-font-gray placeholder:text-font-storm outline-none focus:shadow-outline transition-colors duration-200 ease-in-out" type="email" name="FormEmail" value id="FormEmail"><!----><!----><label class="formkit-label whitespace-nowrap overflow-hidden text-ellipsis text-lg leading-tighter text-font-storm" for="FormEmail" style="transition: none; background-color: undefined; left: undefined;">Email</label></div></div><!----><!----></div><div class="formkit-outer relative group col-span-2 md:col-span-1" data-family="text" data-type="tel" data-empty="true" data-floating-label="true" data-auto-animate="true"><div class="formkit-wrapper"><div class="formkit-inner flex text-font-storm bg-white w-full rounded-lg border border-grey-500 group-hover:border-deep-sapphire items-center transition-colors duration-200 ease-in-out place-items-center"><!----><!----><input class="formkit-input bg-white w-full h-12 py-3 rounded-lg p-4 text-lg leading-tighter text-font-gray placeholder:text-font-storm outline-none focus:shadow-outline transition-colors duration-200 ease-in-out" type="tel" name="FormPhone" value id="FormPhone"><!----><!----><label class="formkit-label whitespace-nowrap overflow-hidden text-ellipsis text-lg leading-tighter text-font-storm" for="FormPhone" style="transition: none; background-color: undefined; left: undefined;">Phone</label></div></div><!----><!----></div><div class="formkit-outer relative group col-span-2 md:col-span-1" data-family="text" data-type="text" data-empty="true" data-floating-label="true" data-auto-animate="true"><div class="formkit-wrapper"><div class="formkit-inner flex text-font-storm bg-white w-full rounded-lg border border-grey-500 group-hover:border-deep-sapphire items-center transition-colors duration-200 ease-in-out place-items-center"><!----><!----><input class="formkit-input bg-white w-full h-12 py-3 rounded-lg p-4 text-lg leading-tighter text-font-gray placeholder:text-font-storm outline-none focus:shadow-outline transition-colors duration-200 ease-in-out" type="text" name="FormPostcode" value id="FormPostcode"><!----><!----><label class="formkit-label whitespace-nowrap overflow-hidden text-ellipsis text-lg leading-tighter text-font-storm" for="FormPostcode" style="transition: none; background-color: undefined; left: undefined;">Postcode</label></div></div><!----><!----></div><!--]--><div class="col-span-2"><div class="text-font-tundora text-[14px] mt-4"><p> We take your privacy seriously. See our collection notice <span class="font-heavy underline cursor-pointer">here</span>. </p><!----></div><!----><div class="mt-6"><!----><button class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-md h-12 py-2.5 px-5 text-white hover:underline focus:underline active:underline bg-button hover:bg-button-hover focus:bg-button-hover active:bg-button-pressed print:hidden" type="submit" data-v-bb2882cf><!--[-->Submit<!--]--><!--[--><!--]--></button></div></div></div><!--]--><!----><!----></form><!--]--></div></div></div><!--]--></div></div></div><div class="my-14 lg:my-28 print:hidden"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10"><!--[--><div class="col-start-1 col-end-13 md:col-start-2 md:col-end-5 flex items-center justify-center"><a href="https://www.canstar.com.au/personal-loans/"><img onerror="this.setAttribute('data-error', 1)" width="285" height="163" alt="Liberty Canstar Awards" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/559x320/4a11e93d99/240103-website-awards-banner-homepage-v3-1-canstar.png/m/285x163/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/559x320/4a11e93d99/240103-website-awards-banner-homepage-v3-1-canstar.png/m/570x326/filters:format(webp):quality(80) 2x" class="block mx-auto md:w-full w-80" src="https://a.storyblok.com/f/148182/559x320/4a11e93d99/240103-website-awards-banner-homepage-v3-1-canstar.png/m/285x163/filters:format(webp):quality(80)"></a></div><div class="md:col-start-5 md:col-end-12 flex items-center justify-center col-start-1 col-end-13"><img onerror="this.setAttribute('data-error', 1)" width="716" height="170" alt="Liberty Awards" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/1347x320/b7a77c8f71/240103-website-awards-banner-homepage-v3-1-desktop.png/m/716x170/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/1347x320/b7a77c8f71/240103-website-awards-banner-homepage-v3-1-desktop.png/m/1432x340/filters:format(webp):quality(80) 2x" class="hidden md:block mx-auto w-full" src="https://a.storyblok.com/f/148182/1347x320/b7a77c8f71/240103-website-awards-banner-homepage-v3-1-desktop.png/m/716x170/filters:format(webp):quality(80)"><img onerror="this.setAttribute('data-error', 1)" width="371" height="323" alt="Liberty Awards" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/559x486/2e46ac826f/240103-website-awards-banner-homepage-v3-1-mobile.png/m/371x323/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/559x486/2e46ac826f/240103-website-awards-banner-homepage-v3-1-mobile.png/m/742x646/filters:format(webp):quality(80) 2x" class="block md:hidden mx-auto w-full" src="https://a.storyblok.com/f/148182/559x486/2e46ac826f/240103-website-awards-banner-homepage-v3-1-mobile.png/m/371x323/filters:format(webp):quality(80)"></div><!--]--></div><div><div class="richtext text-center font-heavy"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><h2>We’re highly <strong>awarded</strong>. But don’t just take our word for it...</h2><!--]--></div></div></div><span></span><span></span></div><!--]--></div></div><div class="my-10 lg:my-14 print:hidden"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10"><!--[--><div class="text-center col-end-13 col-start-1 lg:col-start-2 lg:col-end-12 mx-auto pb-7"><h3 class="text-deep-sapphire font-heavy text-h4 md:text-h3 mb-4">Experts in free-thinking finance</h3><p class="text-font-gray text-lg md:text-2xl mb-4 md:mb-3">Learn more about free-thinking loans</p></div><!--]--></div><div class="grid grid-flow-row md:grid-flow-col auto-cols-fr auto-rows-fr gap-4"><!--[--><div class="md:row-span-2"><div class="flex h-full bg-white shadow-card hover:shadow-card-hover transition-shadow duration-200 ease-in-out rounded-2xl group flex-col"><div class="relative aspect-video w-full"><img onerror="this.setAttribute('data-error', 1)" alt="The ultimate guide to personal loans" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/770x375/c94b588e0f/the-ultimate-guide-to-personal-loans-v2.jpg/m/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/770x375/c94b588e0f/the-ultimate-guide-to-personal-loans-v2.jpg/m/filters:format(webp):quality(80) 2x" class="absolute p-2 z-1 w-full h-full object-cover rounded-xl pb-0" src="https://a.storyblok.com/f/148182/770x375/c94b588e0f/the-ultimate-guide-to-personal-loans-v2.jpg/m/filters:format(webp):quality(80)"></div><div class="flex flex-col flex-1 px-5 pt-5 pb-8 lg:pt-6 lg:pb-8 lg:px-8"><a href="/blog/loan-school/the-ultimate-guide-to-personal-loans" class><div class="font-heavy text-deep-sapphire text-h5-sm lg:text-h5 group-hover:underline">The ultimate guide to personal loans</div></a><p class="text-font-gray text-body-sm mt-1 mb-auto">All you need to know about personal loans: How they work, and how to go about getting one.</p><!----></div></div></div><div class><div class="flex h-full bg-white shadow-card hover:shadow-card-hover transition-shadow duration-200 ease-in-out rounded-2xl group flex-row"><div class="relative aspect-video w-5/12"><img onerror="this.setAttribute('data-error', 1)" alt="Five insider tips for using a personal loan" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/770x375/7fc8d2033e/five-insider-tips-for-using-a-personal-loan.webp/m/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/770x375/7fc8d2033e/five-insider-tips-for-using-a-personal-loan.webp/m/filters:format(webp):quality(80) 2x" class="absolute p-2 z-1 w-full h-full object-cover rounded-xl" src="https://a.storyblok.com/f/148182/770x375/7fc8d2033e/five-insider-tips-for-using-a-personal-loan.webp/m/filters:format(webp):quality(80)"></div><div class="flex flex-col flex-1 px-5 pt-5 pb-8 lg:pt-6 lg:pb-8 lg:px-8"><a href="/blog/loan-school/five-insider-tips-for-using-a-personal-loan" class><div class="font-heavy text-deep-sapphire text-h5-sm lg:text-h5 group-hover:underline">Five insider tips for using a personal loan</div></a><p class="text-font-gray text-body-sm mt-1 mb-auto">Not limited to major purchases and debt consolidation, there are many reasons to consider a personal loan.</p><!----></div></div></div><div class><div class="flex h-full bg-white shadow-card hover:shadow-card-hover transition-shadow duration-200 ease-in-out rounded-2xl group flex-row"><div class="relative aspect-video w-5/12"><img onerror="this.setAttribute('data-error', 1)" alt="Four reasons why a personal loan could replace your credit card" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/770x375/3f0fe976c5/four-reasons-why-a-personal-loan-could-replace-your-credit-card.webp/m/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/770x375/3f0fe976c5/four-reasons-why-a-personal-loan-could-replace-your-credit-card.webp/m/filters:format(webp):quality(80) 2x" class="absolute p-2 z-1 w-full h-full object-cover rounded-xl" src="https://a.storyblok.com/f/148182/770x375/3f0fe976c5/four-reasons-why-a-personal-loan-could-replace-your-credit-card.webp/m/filters:format(webp):quality(80)"></div><div class="flex flex-col flex-1 px-5 pt-5 pb-8 lg:pt-6 lg:pb-8 lg:px-8"><a href="/blog/free-thinking/four-reasons-why-a-personal-loan-could-replace-your-credit-card" class><div class="font-heavy text-deep-sapphire text-h5-sm lg:text-h5 group-hover:underline">Four reasons why a personal loan could replace your credit card</div></a><p class="text-font-gray text-body-sm mt-1 mb-auto">Have you ever wondered why the interest rate on your credit card is so high?</p><!----></div></div></div><!--]--></div><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10 mt-10 lg:mt-14"><!--[--><div class="col-span-full lg:col-span-6 lg:col-start-4 text-center"><!--[--><a href="/blog" class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-md h-12 py-2.5 px-5 border-2 hover:underline focus:underline active:underline text-deep-sapphire border-deep-sapphire print:hidden cursor-pointer" data-v-bb2882cf><!--[--><!--[-->Explore more<!--]--><!--]--><!--[--><!--]--></a><!--]--></div><!--]--></div><!--]--></div></div><div id="resources" class="my-14 lg:my-28 print:hidden"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><h3 class="font-heavy text-h4-sm md:text-h4 font-nexa text-deep-sapphire mb-6 lg:mb-8">Other loans you might like:</h3><!--[--><div class data-v-30992ffa><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10" multirow data-v-30992ffa><!--[--><div class="col-span-full my-4" data-v-30992ffa><div class="flex flex-wrap shadow-card rounded-lg relative h-full rounded-2xl items-center relative px-3 md:py-0 bg-white" data-v-30992ffa><!----><div class="flex flex-col w-full mt-12 md:mt-2 md:w-1/2 lg:px-2 md:px-8 md:pt-6" data-v-30992ffa><a href="/personal-loans/secured-personal-loans" class data-v-30992ffa><h2 class="text-deep-sapphire text-h2-sm my-1 text-left lg:text-h2 md:mt-4 md:mb-2" data-v-30992ffa><span class="block font-heavy" data-v-30992ffa>Secured</span> personal loan</h2></a><div data-v-30992ffa><p class="text-font-tundora font-normal text-body mt-3 md:ml-2 leading-relaxed sm:my-4 xs:px-2 lg:px-0" data-v-30992ffa>A product with a rate and size to fit your plans. </p></div></div><div class="w-full md:w-1/2 mb-4 mt-4 xs:px-2 md:mt-6" data-v-30992ffa><ul data-v-30992ffa><!--[--><li class="flex align-start lg:px-0 mb-2"><div class="relative pl-7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" class="w-5 h-5 fill-success inline-block absolute top-[2px] left-0"><path d="M0 256C0 114.6 114.6 0 256 0s256 114.6 256 256-114.6 256-256 256S0 397.4 0 256m371.8-44.2c10.9-10.9 10.9-28.7 0-39.6s-28.7-10.9-39.6 0L224 280.4l-44.2-44.2c-10.9-10.9-28.7-10.9-39.6 0s-10.9 28.7 0 39.6l64 64c10.9 10.9 28.7 10.9 39.6 0z"/></svg><div class="text-body text-font-tundora font-normal leading-tight">Borrow up to $80,000</div></div></li><li class="flex align-start lg:px-0 mb-2"><div class="relative pl-7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" class="w-5 h-5 fill-success inline-block absolute top-[2px] left-0"><path d="M0 256C0 114.6 114.6 0 256 0s256 114.6 256 256-114.6 256-256 256S0 397.4 0 256m371.8-44.2c10.9-10.9 10.9-28.7 0-39.6s-28.7-10.9-39.6 0L224 280.4l-44.2-44.2c-10.9-10.9-28.7-10.9-39.6 0s-10.9 28.7 0 39.6l64 64c10.9 10.9 28.7 10.9 39.6 0z"/></svg><div class="text-body text-font-tundora font-normal leading-tight">Loan terms of 3, 5 or 7 years</div></div></li><li class="flex align-start lg:px-0 mb-2"><div class="relative pl-7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" class="w-5 h-5 fill-success inline-block absolute top-[2px] left-0"><path d="M0 256C0 114.6 114.6 0 256 0s256 114.6 256 256-114.6 256-256 256S0 397.4 0 256m371.8-44.2c10.9-10.9 10.9-28.7 0-39.6s-28.7-10.9-39.6 0L224 280.4l-44.2-44.2c-10.9-10.9-28.7-10.9-39.6 0s-10.9 28.7 0 39.6l64 64c10.9 10.9 28.7 10.9 39.6 0z"/></svg><div class="text-body text-font-tundora font-normal leading-tight">Vehicle required as security <sup>1C</sup></div></div></li><li class="flex align-start lg:px-0 mb-2"><div class="relative pl-7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" class="w-5 h-5 fill-success inline-block absolute top-[2px] left-0"><path d="M0 256C0 114.6 114.6 0 256 0s256 114.6 256 256-114.6 256-256 256S0 397.4 0 256m371.8-44.2c10.9-10.9 10.9-28.7 0-39.6s-28.7-10.9-39.6 0L224 280.4l-44.2-44.2c-10.9-10.9-28.7-10.9-39.6 0s-10.9 28.7 0 39.6l64 64c10.9 10.9 28.7 10.9 39.6 0z"/></svg><div class="text-body text-font-tundora font-normal leading-tight">Funds available for personal use</div></div></li><!--]--></ul><div class="lg:px-0 xs:px-0 mt-6 md:mb-6 md:absolute md:bottom-5" data-v-30992ffa><p class="text-[14px] uppercase text-font-tundora font-heavy" data-v-30992ffa>Rates per annum from</p><div class="flex max-w-[280px] lg:max-w-[380px]" data-v-30992ffa><span class="text-h3-sm text-font-tundora font-bold md:text-h3 mr-6 flex-2" data-v-30992ffa>6.52%</span><span class="text-h3-sm text-font-tundora font-bold md:text-h3" data-v-30992ffa><!--[--><p data-v-30992ffa>(6.95%<sup>1A</sup>)</p><p class="text-body-sm text-font-tundora relative text-center leading-tight" data-v-30992ffa>Comparison rate</p><!--]--></span></div></div></div><a href="/personal-loans/secured-personal-loans" class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-md h-12 py-2.5 px-5 text-white hover:underline focus:underline active:underline bg-button hover:bg-button-hover focus:bg-button-hover active:bg-button-pressed print:hidden text-body-sm my-6 relative bottom-0 lg:left-2 md:my-12 md:left-10 xs:left-2 cursor-pointer" data-identifier="hpt-secured-personal-loan" data-v-30992ffa data-v-bb2882cf><!--[-->Find out more<!--]--><!--[--><!--]--></a><span data-v-30992ffa></span></div></div><!--]--></div></div><!--]--><div class="mt-10 lg:mt-16 text-center"><!--[--><a href="/personal-loans" class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-md h-12 py-2.5 px-5 border-2 hover:underline focus:underline active:underline text-deep-sapphire border-deep-sapphire print:hidden cursor-pointer cursor-pointer cursor-pointer" data-v-bb2882cf><!--[--><!--[-->All personal loans<!--]--><!--]--><!--[--><!--]--></a><!--]--></div><!--]--></div></div><div id="disclaimers" class="my-14 lg:my-28" data-nosnippet data-v-8210faf4><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10" data-v-8210faf4><!--[--><h4 class="font-heavy text-h4-sm md:text-h4 font-nexa text-deep-sapphire mb-6 print:text-h5" data-v-8210faf4>Things you should know:</h4><div class="richtext wysiwyg" data-v-8210faf4><div class="wysiwyg"><!--[--><p><span class="superscript"><!--[-->1B<!--]--></span>Unsecured 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. <strong>WARNING:</strong> 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.</p><p><span class="superscript"><!--[-->2A<!--]--></span>Other fees and charges may apply, such as dishonour and late fees. </p><p><span class="superscript"><!--[-->3B<!--]--></span>This fee ranges from between 0% to 5.50% of the loan amount, depending on your risk band. The fee is capped at $950.</p><p><span class="superscript"><!--[-->1A<!--]--></span>Secured 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. <strong>WARNING</strong>: 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.</p><p>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.</p><!--]--></div></div><!--]--></div></div><!--]--></div><div class="pl-3 pt-10 hidden print:block"><p class="text-xs text-font-grey font-bold"> Effective as at 2024-12-12. </p></div></div></div><!--]--><footer class="bg-grey-100 print:hidden"><div class="flex flex-col"><div class="order-1 pb-6 lg:pb-12 pt-8 lg:pt-16"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="flex justify-between items-center"><a href="/" class aria-label="Liberty Logo"><svg xmlns="http://www.w3.org/2000/svg" width="140" height="32" fill="none" class="w-[140px]"><path fill="#0A3370" d="M55.495.618c-.524 0-1.036.158-1.47.455a2.7 2.7 0 0 0-.975 1.213 2.75 2.75 0 0 0-.15 1.56 2.7 2.7 0 0 0 .724 1.383c.37.378.843.635 1.356.739s1.046.05 1.529-.155a2.66 2.66 0 0 0 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href="/home-loans" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Home loans<!--]--></a></li><li class="mb-2"><a href="/car-loans" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Car loans<!--]--></a></li><li class="mb-2"><a href="/personal-loans" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Personal loans<!--]--></a></li><li class="mb-2"><a href="/business-loans" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Business loans<!--]--></a></li><li class="mb-2"><a href="/commercial-loans" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Commercial property loans<!--]--></a></li><li class><a href="/smsf-loans" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->SMSF loans<!--]--></a></li><!--]--></ul><ul class="inline-block w-full mb-8"><li class="mb-2.5"><span class="font-extrabold text-deep-sapphire text-base leading-tighter">Tools</span></li><!--[--><li class="mb-2"><a href="/find-my-loan" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Find a loan for me<!--]--></a></li><li class><a href="/home-loans/property-report" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Estimate my property value<!--]--></a></li><!--]--></ul><ul class="inline-block w-full mb-8"><li class="mb-2.5"><span class="font-extrabold text-deep-sapphire text-base leading-tighter">Customer Support</span></li><!--[--><li class="mb-2"><a href="/customer-centre" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Customer Centre and login<!--]--></a></li><li class><a href="/about-us/financial-hardship" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Financial hardship<!--]--></a></li><!--]--></ul><ul class="inline-block w-full mb-8"><li class="mb-2.5"><span class="font-extrabold text-deep-sapphire text-base leading-tighter">Calculate</span></li><!--[--><li class="mb-2"><a href="/home-loans/calculators/borrowing-power" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Home loan calculator<!--]--></a></li><li class="mb-2"><a href="/car-loans/calculators/loan-repayments" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Car loan calculators<!--]--></a></li><li class="mb-2"><a href="/personal-loans/calculators/loan-repayments" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Personal loan calculators<!--]--></a></li><li class="mb-2"><a href="/business-loans/calculators/loan-repayments" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Business loan calculators<!--]--></a></li><li class="mb-2"><a href="/commercial-loans/calculators/loan-repayments" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Commercial property loan calculators<!--]--></a></li><li class><a href="/smsf-loans/calculators/loan-repayments" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->SMSF loan calculators<!--]--></a></li><!--]--></ul><ul class="inline-block w-full mb-8"><li class="mb-2.5"><span class="font-extrabold text-deep-sapphire text-base leading-tighter">Liberty Advisers</span></li><!--[--><li class="mb-2"><a href="/about-us/find-an-adviser" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Find a Liberty Adviser<!--]--></a></li><li class="mb-2"><a href="/become-an-adviser" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Become a Liberty Adviser<!--]--></a></li><li class><a href="/mortgage-broker" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->More than a mortgage broker<!--]--></a></li><!--]--></ul><ul class="inline-block w-full mb-8"><li class="mb-2.5"><span class="font-extrabold text-deep-sapphire text-base leading-tighter">FAQs</span></li><!--[--><li class="mb-2"><a href="/about-us/faqs" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Customer FAQs<!--]--></a></li><li class><a href="https://personal.liberty.com.au/help" rel="noopener noreferrer" target="_blank" class="cursor-pointer flex items-center text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Personal loan FAQs<!--]--></a></li><!--]--></ul><ul class="inline-block w-full mb-8"><li class="mb-2.5"><span class="font-extrabold text-deep-sapphire text-base leading-tighter">Login</span></li><!--[--><li class="mb-2"><a href="https://iq.liberty.com.au/#/login" rel="noopener noreferrer" target="_blank" class="cursor-pointer flex items-center text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Business partners login<!--]--></a></li><li class="mb-2"><a href="https://investors.liberty.com.au/inv_login.asp" rel="noopener noreferrer" target="_blank" class="cursor-pointer flex items-center text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Debt investors login<!--]--></a></li><li class="mb-2"><a href="https://store.liberty.com.au/login" rel="noopener noreferrer" target="_blank" class="cursor-pointer flex items-center text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Liberty store login<!--]--></a></li><li class><a href="https://lnspartnership.liberty.com.au" rel="noopener noreferrer" target="_blank" class="cursor-pointer flex items-center text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Lender partners login<!--]--></a></li><!--]--></ul><ul class="inline-block w-full mb-8"><li class="mb-2.5"><span class="font-extrabold text-deep-sapphire text-base leading-tighter">Blog</span></li><!--[--><li class="mb-2"><a href="/blog/loan-school" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Loan school<!--]--></a></li><li class="mb-2"><a href="/blog/free-thinking" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Free thinking<!--]--></a></li><li class="mb-2"><a href="/blog/investor-central" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Investor central<!--]--></a></li><li class><a href="/blog/biz-wiz" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Biz wiz<!--]--></a></li><!--]--></ul><ul class="inline-block w-full mb-8"><li class="mb-2.5"><span class="font-extrabold text-deep-sapphire text-base leading-tighter">About Liberty</span></li><!--[--><li class="mb-2"><a href="/about-us" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->About us<!--]--></a></li><li class="mb-2"><a href="/about-us/diversity-and-inclusion" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Diversity and inclusion<!--]--></a></li><li class="mb-2"><a href="/about-us/our-community" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Our community<!--]--></a></li><li class="mb-2"><a href="/about-us/meet-the-team" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Meet the team<!--]--></a></li><li class="mb-2"><a href="/about-us/customer-stories-and-testimonials" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Customer testimonials<!--]--></a></li><li class><a href="/about-us/contact-us" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Contact us<!--]--></a></li><!--]--></ul><ul class="inline-block w-full mb-8"><li class="mb-2.5"><span class="font-extrabold text-deep-sapphire text-base leading-tighter">Career Centre</span></li><!--[--><li class="mb-2"><a href="/about-us/current-opportunities/join-the-team" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Join the team<!--]--></a></li><li class="mb-2"><a href="/about-us/employee-benefits" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Employee benefits<!--]--></a></li><li class><a href="/about-us/recruitment-process" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Recruitment process<!--]--></a></li><!--]--></ul><!--]--></div><!--]--></div><div class="be-ix-link-block"></div></div><div class="bg-grey-footer order-4 pt-12 pb-24"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><ul class="mobile:grid mobile:grid-cols-1 lg:flex lg:flex-wrap gap-4 mb-10 lg:mb-8"><!--[--><li><a href="/disclosures/privacy-policy" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Privacy disclosure<!--]--></a></li><li><a href="/disclosures/responsible-lending" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Responsible lending<!--]--></a></li><li><a href="/disclosures/terms-of-use" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Terms of use<!--]--></a></li><li><a href="/disclosures/application-assessment" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Application assessment<!--]--></a></li><li><a href="/disclosures/reference-check-requests" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Reference checks<!--]--></a></li><li><a href="/disclosures/target-market-determinations" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Target market determinations<!--]--></a></li><li><a href="https://www.lfgroup.com.au/assets/pdf/Liberty-Financial-Group-Limited-Whistleblower-Policy.pdf" rel="noopener noreferrer" target="_blank" class="cursor-pointer flex items-center text-deep-sapphire text-body-sm hover:underline"><!--[-->Whistleblower policy<!--]--></a></li><li><a href="/about-us/family-violence-policy" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Family violence policy<!--]--></a></li><li><a href="/disclosures/cdr-policy" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->CDR policy<!--]--></a></li><li><a href="/media-releases" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Media releases<!--]--></a></li><li><a href="https://www.lfgroup.com.au" rel="noopener noreferrer" target="_blank" class="cursor-pointer flex items-center text-deep-sapphire text-body-sm hover:underline"><!--[-->Shareholder centre<!--]--></a></li><li><a href="/investments" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Investments <!--]--></a></li><li><a href="/about-us/feedback-and-complaints" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Feedback and complaints <!--]--></a></li><li><a href="/about-us/financial-hardship" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Financial hardship<!--]--></a></li><!--]--></ul><div class="text-font-tundora text-body-sm richtext"><p><b>Our Acknowledgment</b></p><p>Liberty’s head office is located on the traditional lands of the Kulin Nation, with offices across the country. We respectfully acknowledge the Traditional Owners of the land, the Bunurong Boon Wurrung and Wurundjeri Woi Wurrung peoples of the Eastern Kulin Nation and their continuing connections to lands, waters, cultures and communities. We pay our respects to Elders past and present.</p><p>Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2024 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.</p></div><div class="text-font-tundora text-body-sm richtext"></div><div class="text-font-tundora text-body-sm richtext"></div><!--]--></div></div></div></footer></div></div><div id="teleports"></div><script type="application/json" data-nuxt-data="nuxt-app" data-ssr="true" id="__NUXT_DATA__" data-src="/personal-loans/unsecured-personal-loans/_payload.json?93263daa-8172-4ed9-b8f0-10367f8452df">[{"state":1,"once":333,"_errors":334,"serverRendered":330,"path":336,"pinia":337,"prerenderedAt":386},["Reactive",2],{"$sglobalData":3,"$ssite-config":328},{"trustpilotData":4,"productTags":176,"blogTags":238},["Ref",5],["Reactive",6],{"_uid":7,"reviews":8,"component":149,"star_image":16,"awards_main":150,"star_string":159,"trust_score":160,"awards_mobile":161,"awards_desktop":166,"trustpilot_url":170,"link_main_award":171,"number_of_reviews":175},"968a0e81-d4cc-4574-b869-f920239594a0",[9,21,30,39,48,57,67,77,83,93,102,111,120,130,139],{"_uid":10,"text":11,"title":12,"consumer":13,"component":14,"review_url":15,"star_image":16,"adviser_url":17,"review_date":18,"adviser_guid":19,"adviser_name":20},"492daaeb-5812-4dd2-b3ae-22da49821cf8","Melissa went above and beyond to help us achieve our dream home. 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