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Applicants need to be employed and earn a minimum of $20,000 per year (the majority of your income cannot be from Government benefits) to be eligible.\u003C/p>"}},{"@type":"Question","name":"What can personal loans be used for?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>Personal loans can be used for a variety of purposes, such as \u003Ca href=\"/personal-loans/consolidating-debts\" uuid=\"051ca36a-26ee-457e-9bea-2879cbfb26dd\" target=\"_self\" story=\"[object Object]\">consolidating debts\u003C/a>, \u003Ca href=\"/personal-loans/medical-loans\" uuid=\"2aa537c6-0dad-47b9-ae10-3e99e8052e68\" target=\"_self\" story=\"[object Object]\">covering medical expenses\u003C/a>, \u003Ca href=\"/personal-loans/home-renovation-loan\" uuid=\"19a6a015-9315-486f-8721-9c4c38e1a785\" target=\"_self\" story=\"[object Object]\">financing home improvements\u003C/a>, \u003Ca href=\"/personal-loans/holiday-loans\" uuid=\"e384d136-10f6-4e7c-8c47-e3e52240bc02\" target=\"_self\" story=\"[object Object]\">funding vacations\u003C/a>, paying for education, or handling unexpected emergencies. The flexibility of personal loans allows borrowers to address their financial needs and get closer to their goals with a fixed repayment plan.\u003C/p>"}},{"@type":"Question","name":"What’s the difference between secured vs unsecured personal loans?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>A \u003Ca href=\"/personal-loans/secured-personal-loans\" uuid=\"90be67ce-9427-4f58-84a2-2c73cccfaa58\" target=\"_self\" story=\"[object Object]\">secured personal loan\u003C/a> requires an asset to be provided as collateral in case you’re unable to meet your future loan repayments. \u003C/p>\u003Cp>With a car or other asset used as security for the loan, the interest rates tend to be lower as there is less risk to the lender.\u003C/p>\u003Cp>\u003Ca href=\"/personal-loans/unsecured-personal-loans\" uuid=\"ce2338e1-b797-40f2-8e7f-80488ae41f94\" target=\"_self\" story=\"[object Object]\">Unsecured personal loans\u003C/a> do not require you to provide an asset as collateral and the loan amount will be based on your ability to repay. They often suit borrowers with a strong credit history but who don’t own any assets. \u003C/p>\u003Cp>If you default on an unsecured loan, the lender lacks an asset they can sell to cover the amount owing. That’s why their interest rates are typically higher.\u003C/p>\u003Cp>Find out more by reading our blog on \u003Ca href=\"/blog/loan-school/secured-and-unsecured-personal-loans\" uuid=\"a1b7a985-88b6-43af-a6b6-ddd32da70203\" target=\"_self\" story=\"[object Object]\">understanding secured vs unsecured personal loans\u003C/a>.\u003C/p>"}},{"@type":"Question","name":"When will I receive my personal loan funds?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>If you accept your personal loan offer by 3pm, we’ll send your funds the same day. If you are with a major bank, you should receive the funds in your account on the same day. Otherwise, you’ll likely receive the funds the following day.\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":"Can I get a personal loan with a bad credit score?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>We understand things don’t always go according to plan and your credit history may be less than ideal. At Liberty, we look at more than just your credit score. Each borrower is unique with their own individual circumstances and we take this into account to find a flexible solution to meet your personal needs. Discover your personalised rate \u003Ca href=\"https://personal.liberty.com.au/apply\">here\u003C/a>.\u003C/p>"}},{"@type":"Question","name":"What does having bad credit mean?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>Having bad credit often refers to there being a default listed on your credit report. For example, not paying or making late payments on a utilities bill can lead to an unpaid account listed as a default. This can make you appear riskier to some lenders, making it difficult to be approved for finance. Similarly, applying for multiple loans with different lenders within a short timeframe can reduce the credit score on your report. Liberty’s personal loans can provide the flexibility borrowers may need to review their current financial situation and take a step forward.\u003C/p>"}},{"@type":"Question","name":"Can I get a personal loan with a low credit score?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>Sometimes life throws the unexpected your way and things don't go according to plan – leaving you with a bad credit rating. Every borrower is different, which is why Liberty takes your current individual circumstances into consideration when assessing your application for a personal loan – even with a bad credit history.\u003C/p>"}},{"@type":"Question","name":"Should I tell my personal loan broker I have bad credit?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>If you’re a borrower looking for a personal loan with a low credit score, you should tell your broker. If you let them know, they can help find you a free-thinking lender such as Liberty, that will listen to your full story and consider your application even with a low credit score. If you know you have bad credit and need a personal loan, talk to a Liberty lending expert today to discuss your options. If you are unsure of your credit history, get in contact with a credit reporting agency like Experian for a free copy of your credit report.\u003C/p>"}},{"@type":"Question","name":"What is the typical repayment period for personal loans?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>Repayment periods for personal loans vary, but they typically range from three to seven years. Shorter loan terms may come with higher monthly payments, but you could save on overall interest. While longer terms can reduce monthly payments, they may result in more interest paid over the life of the loan. 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data-v-c832a75a><template></template></div></div></div><div class="flex items-center mobile+tablet:ml-auto"><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 print:hidden" data-v-bb2882cf> Get started </button></div></div></div></div></header><div></div></div><div><div><div><div class="gradient-grey-bottom"><div class="relative z-40 mx-auto max-w-[1440px] lg:px-6 flex flex-col justify-end print:bg-white" style="min-height:auto;" data-v-6d8badd4><div class="text-white flex flex-col justify-end relative" style="max-height:none;" data-v-6d8badd4><div class="hidden lg:block absolute bottom-0 right-0 w-full h-full lg:rounded-xl lg:overflow-hidden gradient-loan-personal" data-v-6d8badd4><img onerror="this.setAttribute('data-error', 1)" width="1392" height="600" alt="Liberty Personal loans" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/2500x1103/4043b0cf01/liberty-personal-loans.jpg/m/1392x600/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/2500x1103/4043b0cf01/liberty-personal-loans.jpg/m/2784x1200/filters:format(webp):quality(80) 2x" class="w-full h-full object-cover object-right-bottom" style="min-height:auto;" src="https://a.storyblok.com/f/148182/2500x1103/4043b0cf01/liberty-personal-loans.jpg/m/1392x600/filters:format(webp):quality(80)" data-v-6d8badd4></div><div class="absolute top-0 left-0 w-full lg:w-8/12 h-full rounded-xl lg:overflow-hidden gradient-loan-personal" data-v-6d8badd4></div><div class="max:container w-full mx-auto lg:px-10 relative z-1 overflow-hidden border-transparent h-full rounded-xl" data-v-6d8badd4><div class="col-span-full block lg:hidden min-h-[328px]" style="background:#AD7BF4;" data-v-6d8badd4><img onerror="this.setAttribute('data-error', 1)" width="767" height="630" alt="Personal Loans" loading="lazy" data-nuxt-img sizes="767px" srcset="https://a.storyblok.com/f/148182/750x630/f54e2a9ff3/personal-loans.webp/m/767x630/filters:format(webp):quality(80) 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>Personal loan solutions for free thinkers</h1><h2 class="text-h5-sm text-white mb-8 md:text-h5" data-v-6d8badd4>Bring your ideas to life with a low interest personal loan.</h2><div class="flex flex-col lg:flex-row lg:flex-wrap lg:items-center gap-3 mt-0" data-v-6d8badd4><a href data-identifier="hpt-apply-now" 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-deep-sapphire hover:underline focus:underline active:underline bg-white hover:bg-grey-300 focus:bg-grey-300 active:bg-grey-400 print:hidden cursor-pointer" target="_blank" data-v-6d8badd4 data-v-bb2882cf>Apply now</a></div></div></div></div></div></div><div class="max:container w-full mx-auto lg:px-10 mt-9 px-3"><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 hover:no-underline">Home</a></li><li aria-current="page" class="inline breadcrumb-item active"><span>Personal Loans</span></li></ul></nav></div></div><div class="gradient-grey-top pt-8 lg:pt-0"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10 py-4 lg:pt-20" id><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10"><div class="col-span-full lg:px-20"><div class="richtext wysiwyg"><div class="wysiwyg"><h2><span style="color: "><strong>Personal loans to fund your big ideas</strong></span></h2><p><span style="color: ">Get closer to your goals with a Liberty personal loan.</span><span style="color: "><strong> </strong></span><span style="color: ">Whether it’s upgrading your home, planning a special event, or consolidating debt, we’ve got you covered. With competitive rates and flexible repayment options, getting the funds you need is simple and stress-free. Apply online in minutes and discover the possibilities.</span></p></div></div></div></div></div></div><div class="py-10 lg:pt-14 lg:pb-0"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><div class="lg:px-20"><h3 class="font-heavy text-h3-sm md:text-h3 font-nexa text-deep-sapphire mb-8">What do you want to do?</h3><div class="relative transition-[padding] will-change-[padding] duration-200 ease-in-out"><div class="flex flex-wrap items-center gap-2 lg:flex-wrap lg:overflow-hidden"><div class="items-center gap-2 flex-wrap hidden md:flex"><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm text-white border-transparent"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-100 rounded-3xl"></div><span class="relative z-1">View all personal loans</span></button><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm bg-white text-deep-sapphire border-cerulean"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-0 rounded-3xl"></div><span class="relative z-1">Buy a car</span></button><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm bg-white text-deep-sapphire border-cerulean"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-0 rounded-3xl"></div><span class="relative z-1">Renovate</span></button><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm bg-white text-deep-sapphire border-cerulean"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-0 rounded-3xl"></div><span class="relative z-1">Get a travel loan</span></button><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm bg-white text-deep-sapphire border-cerulean"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-0 rounded-3xl"></div><span class="relative z-1">Purchase something special</span></button><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm bg-white text-deep-sapphire border-cerulean"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-0 rounded-3xl"></div><span class="relative z-1">Consolidate debt</span></button><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm bg-white text-deep-sapphire border-cerulean"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-0 rounded-3xl"></div><span class="relative z-1">Get a medical loan</span></button></div><label for="category-select" class="sr-only">Select Category</label><select id="category-select" class="block md:hidden text-font-tundora bg-white w-full h-12 rounded-lg overflow-hidden border border-grey-500 group-hover:border-deep-sapphire transition-colors duration-200 ease-in-out px-3"><option value selected>View all personal loans</option><option value="to-buy-a-car">Buy a car</option><option value="renovate">Renovate</option><option value="travel-and-live-life">Get a travel loan</option><option value="purchase-something-special">Purchase something special</option><option value="consolidate-debt-personal">Consolidate debt</option><option value="medical-loan">Get a medical loan</option></select></div></div><div><div class="my-4" 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="my-4" 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/unsecured-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>Unsecured</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>Get access to funds without an asset as security.</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">Simple online application</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">Receive money quickly</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>7.24%</span><span class="text-h3-sm text-font-tundora font-bold md:text-h3" data-v-30992ffa><p data-v-30992ffa>(7.24%<sup>1B</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/unsecured-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-unsecured-personal-loan" data-v-30992ffa data-v-bb2882cf>Find out more</a><span data-v-30992ffa></span></div></div></div></div></div><div><h4 class="font-heavy text-h5-sm md:text-h5 font-nexa text-deep-sapphire pt-10">Other options:</h4><div class="my-4" 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="w-full relative text-white mr-2" data-v-30992ffa><span class="absolute top-[-6.1px] left-2 md:left-[35px] mr-0" data-v-30992ffa><span class="relative gradient-secondary text-body text-center uppercase block w-auto py-1 px-4 rounded-b-lg leading-normal before:absolute before:content-[''] before:h-[6px] before:w-[6px] before:left-[-6px] before:top-0 before:bg-deep-sapphire before:gradient-secondary after:bg-deep-sapphire after:h-[6px] after:w-[8px] after:left-[-8px] after:top-0 after:absolute after:content-[''] after:rounded-t-lg" data-v-30992ffa>POPULAR</span></span></div><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="/car-loans/flexible-car-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>Flexible</span> car 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 sharp rate for an even better journey.</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 $100,000<sup>2</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">Loan terms up to 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">New and used cars accepted<sup>6</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">Balloon payment options<sup>3</sup></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>9.15%</span><span class="text-h3-sm text-font-tundora font-bold md:text-h3" data-v-30992ffa><p data-v-30992ffa>(12.95%<sup>1</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="/car-loans/flexible-car-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-flexible-car-loan" data-v-30992ffa data-v-bb2882cf>Find out more</a><span data-v-30992ffa></span></div></div></div></div><div class="my-4" 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="/car-loans/fresh-start-car-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>Fresh start</span> car 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 loan you can shape to fit your needs.</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 $50,000<sup>2</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">Loan terms up to 5 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">Poor credit history considered</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">New or used vehicles accepted<sup>6</sup></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>11.65%</span><span class="text-h3-sm text-font-tundora font-bold md:text-h3" data-v-30992ffa><p data-v-30992ffa>(15.98%<sup>1</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="/car-loans/fresh-start-car-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-fresh-start-car-loan" data-v-30992ffa data-v-bb2882cf>Find out more</a><span data-v-30992ffa></span></div></div></div></div></div></div></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:col-start-2"><img onerror="this.setAttribute('data-error', 1)" width="380" height="380" alt="Liberty Personal loans" loading="lazy" data-nuxt-img 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>Get my personalised rate</strong></h2><p>In just a few easy steps you can discover your personalised interest rate. Checking your interest rate won’t affect your credit score.</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" gtm-value data-v-bb2882cf>Get my rate</a><a href 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" gtm-value data-v-bb2882cf>Apply online</a></div></div></div></div></div></div><div class="my-14 lg:my-28"><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 personal loans for free thinkers</h3><p class="text-font-gray text-lg md:text-2xl mb-4 md:mb-3">Learn more about personal loans and getting closer to your goals.</p></div></div><div class="relative transition-[padding] will-change-[padding] duration-200 ease-in-out"><div class="flex flex-wrap items-center gap-2 lg:flex-wrap lg:overflow-hidden justify-center"><div class="items-center gap-2 flex-wrap hidden md:flex"><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm text-white border-transparent"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-100 rounded-3xl"></div><span class="relative z-1">Popular</span></button><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm bg-white text-deep-sapphire border-cerulean"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-0 rounded-3xl"></div><span class="relative z-1">Loan school</span></button><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm bg-white text-deep-sapphire border-cerulean"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-0 rounded-3xl"></div><span class="relative z-1">Biz wiz</span></button><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm bg-white text-deep-sapphire border-cerulean"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-0 rounded-3xl"></div><span class="relative z-1">Investor central</span></button><button class="relative inline-flex items-center border overflow-hidden hover:underline transition-colors will-change-colors duration-200 ease-in-out whitespace-nowrap shrink-0 py-2 px-4 h-[38px] rounded-3xl text-button-sm bg-white text-deep-sapphire border-cerulean"><div class="absolute inset-0 gradient-secondary pointer-events-none transition-opacity will-change-opacity duration-200 ease-in-out overflow-hidden opacity-0 rounded-3xl"></div><span class="relative z-1">Free thinking</span></button></div><label for="category-select" class="sr-only">Select Category</label><select id="category-select" class="block md:hidden text-font-tundora bg-white w-full h-12 rounded-lg overflow-hidden border border-grey-500 group-hover:border-deep-sapphire transition-colors duration-200 ease-in-out px-3"><option value selected>Popular</option><option value="loan-school">Loan school</option><option value="biz-wiz">Biz wiz</option><option value="investor-central">Investor central</option><option value="free-thinking">Free thinking</option></select></div></div><span></span><div class="grid grid-flow-row lg:grid-flow-col auto-cols-fr auto-rows-fr gap-4 mt-14"><div class="lg: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="PLO Benefits blog" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/1160x565/662b6f71b8/plo-benefits-blog.jpg/m/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/1160x565/662b6f71b8/plo-benefits-blog.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/148182/1160x565/662b6f71b8/plo-benefits-blog.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/how-easy-is-it-to-apply-for-a-personal-loan-" class><div class="font-heavy text-deep-sapphire text-h5-sm lg:text-h5 group-hover:underline">How easy is it to apply for a personal loan?</div></a><p class="text-font-gray text-body-sm mt-1 mb-auto">Get the details on what’s involved in the lending process.</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="irregular income earner" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/1160x565/e7103e2a80/240906-insights-blog-v1-3.jpg/m/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/1160x565/e7103e2a80/240906-insights-blog-v1-3.jpg/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/148182/1160x565/e7103e2a80/240906-insights-blog-v1-3.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/securing-a-loan-with-irregular-income" class><div class="font-heavy text-deep-sapphire text-h5-sm lg:text-h5 group-hover:underline">Securing a loan with irregular income</div></a><p class="text-font-gray text-body-sm mt-1 mb-auto">Explore the lending options available to non-traditional income earners.</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="House for sale" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/1160x565/1910c5cf8e/240906-insights-blog-vlibertyirregularincome-_blog.jpg/m/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/1160x565/1910c5cf8e/240906-insights-blog-vlibertyirregularincome-_blog.jpg/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/148182/1160x565/1910c5cf8e/240906-insights-blog-vlibertyirregularincome-_blog.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/homebuying-tips-for-spring" class><div class="font-heavy text-deep-sapphire text-h5-sm lg:text-h5 group-hover:underline">Homebuying tips for spring</div></a><p class="text-font-gray text-body-sm mt-1 mb-auto">In a blooming property market, forward planning could help you find your next home sooner. </p></div></div></div></div><div class="pt-14 text-center"></div></div></div><div id class="my-10 lg:my-20 print:hidden"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"></div></div><div id="personal-loans-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">Liberty personal loans 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>Who can apply for a 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 who is a citizen or permanent resident currently living in Australia can apply for a Liberty personal loan. Applicants need to be employed and earn a minimum of $20,000 per year (the majority of your income cannot be from Government benefits) to be eligible.</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 personal loans be used 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>Personal loans can be used for a variety of purposes, such as <a href="/personal-loans/consolidating-debts" class="text-persian-blue underline hover:no-underline">consolidating debts</a>, <a href="/personal-loans/medical-loans" class="text-persian-blue underline hover:no-underline">covering medical expenses</a>, <a href="/personal-loans/home-renovation-loan" class="text-persian-blue underline hover:no-underline">financing home improvements</a>, <a href="/personal-loans/holiday-loans" class="text-persian-blue underline hover:no-underline">funding vacations</a>, paying for education, or handling unexpected emergencies. The flexibility of personal loans allows borrowers to address their financial needs and get closer to their goals with a fixed repayment plan.</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’s the difference between secured vs unsecured personal loans? <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>A <a href="/personal-loans/secured-personal-loans" class="text-persian-blue underline hover:no-underline">secured personal loan</a> requires an asset to be provided as collateral in case you’re unable to meet your future loan repayments. </p><p>With a car or other asset used as security for the loan, the interest rates tend to be lower as there is less risk to the lender.</p><p><a href="/personal-loans/unsecured-personal-loans" class="text-persian-blue underline hover:no-underline">Unsecured personal loans</a> do not require you to provide an asset as collateral and the loan amount will be based on your ability to repay. They often suit borrowers with a strong credit history but who don’t own any assets. </p><p>If you default on an unsecured loan, the lender lacks an asset they can sell to cover the amount owing. That’s why their interest rates are typically higher.</p><p>Find out more by reading our blog on <a href="/blog/loan-school/secured-and-unsecured-personal-loans" class="text-persian-blue underline hover:no-underline">understanding secured vs unsecured personal loans</a>.</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>When will I receive my personal loan funds? <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>If you accept your personal loan offer by 3pm, we’ll send your funds the same day. If you are with a major bank, you should receive the funds in your account on the same day. Otherwise, you’ll likely receive the funds the following day.</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 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 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 id="discover" 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">Discover the possibilities</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="lg:my-24"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10 pb-7"><h3 class="text-deep-sapphire font-heavy text-h4 md:text-h3 mb-4 text-center">Other types of loans for free thinkers</h3><p class="text-lg md:text-2xl mb-4 md:mb-3 text-center"></p></div><div class="max:container w-full mx-auto lg:px-10 slider" data-v-42ef8eb8><div class="grid grid-cols-4 lg:grid-cols-5 gap-4 lg:gap-8 max:gap-10" data-v-42ef8eb8><span data-v-42ef8eb8></span></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">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><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">1</span>This comparison rate is based on a secured $30,000 car loan over a 5-year term. <strong>WARNING</strong>: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable. The actual interest rate applicable will depend on our assessment criteria. Higher interest rates apply where second-hand vehicles are used as security for the loan. </p><p><span class="superscript">2</span>Maximum loan amount for non-business applicants under 23 years of age is $25,000.</p><p><span class="superscript">3</span>The maximum vehicle age at the end of the loan term is 8 years for any loan with a balloon payment. </p><p><span class="superscript">6</span>Interest rate loadings apply to older vehicles, resulting in higher interest rates. Call 13 11 33 or speak with your local Liberty Adviser for details. </p></div></div></div></div></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 1.187-.996 2.74 2.74 0 0 0-.332-3.408 2.62 2.62 0 0 0-1.87-.791m80.013 7.068-3.989 12.353h-.068l-3.989-12.353h-4.776l6.344 17.776c0 1.807-1.052 3.018-2.8 3.018-1.054 0-1.681-.091-2.219-.295l-.292 3.247c.99.3 2.016.453 3.049.458 4.505 0 5.513-3.683 6.881-7.435l6.229-16.77zm-16.519 13.909c-1.621 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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" 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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/_payload.json?09e5b449-5f62-4426-9adc-c02a14b6040b">[{"state":1,"once":306,"_errors":307,"serverRendered":303,"path":309,"pinia":310,"prerenderedAt":359},["Reactive",2],{"$sglobalData":3,"$ssite-config":301},{"trustpilotData":4,"productTags":149,"blogTags":211},["Ref",5],["Reactive",6],{"_uid":7,"reviews":8,"component":122,"star_image":14,"awards_main":123,"star_string":132,"trust_score":133,"awards_mobile":134,"awards_desktop":139,"trustpilot_url":143,"link_main_award":144,"number_of_reviews":148},"968a0e81-d4cc-4574-b869-f920239594a0",[9,19,27,35,44,52,61,69,77,82,87,96,101,109,114],{"_uid":10,"text":11,"title":11,"consumer":12,"component":13,"star_image":14,"adviser_url":15,"review_date":16,"adviser_guid":17,"adviser_name":18},"2461cf76-64c7-4535-b609-d2d34d88a32f","Easy service with no hassles.","Lee","trustpilot-review-card","//images-static.trustpilot.com/api/stars/5/star.svg","jennifer-cole","02 Dec 2024","6883D44F-3822-4E47-9296-5BE259414487","Jennifer Cole",{"_uid":20,"text":21,"title":22,"consumer":23,"component":13,"star_image":14,"adviser_url":24,"review_date":16,"adviser_guid":25,"adviser_name":26},"4948b7a3-dae5-4f9d-baa0-0ad630e3fee2","Great service, always updated and would highly recommend.","Great service","Nick LLOYD","michelle-denver","4C8B32BD-2A6B-4323-ABAA-3C9347122339","Michelle Denver",{"_uid":28,"text":29,"title":30,"consumer":31,"component":13,"star_image":14,"adviser_url":32,"review_date":16,"adviser_guid":33,"adviser_name":34},"fcaef0f7-0f42-41bb-b8c2-e266e15a621c","Melissa made the process smooth and stress-free. 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