Interest rate from
5.95% 26.99% p.a.
Comparison rate from
5.95% 26.99% p.a.based on $30,000
over 5 years
Upfront fee

Mozo editorial review Liberty Personal Loan - last updated: 25 May 2022

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What's hot
  • Fixed rates from 5.95% (5.95% comparison rate*)
  • Extra repayments allowed
  • No ongoing, exit or early repayment fees
What's not
  • Low rates are for good credit holders
Mozo snapshot

After an online personal loan that rewards you for your good credit history? Meet the Liberty Personal Loan. Fixed rates start at a competitive 5.95% (5.95% comparison rate*), but that’s not all that’s on offer. There are no ongoing, exit or early repayment fees attached to this loan. Plus, borrowers have the flexibility to make extra repayments when they want to. There are also no application fees which is always a bonus.

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Key features

If you have a good credit score and want a competitive personal loan product, the Liberty Personal Loan could be the choice for you. 

This loan comes with fixed rates starting at a low 5.95% (5.95% comparison rate*), as well as no ongoing service fees or exit charges or application fees.

And when it comes to repayments, this loan knows a thing or two about flexibility. Borrowers can choose to make weekly, fortnightly or monthly repayments and also make extra contributions free of charge. And for those that pay down their entire loan before expected, there is no pesky early repayment cost either! Bear in mind though, there is no redraw facility on this loan so once you make an extra repayment, there’s no turning back.  

Who is it good for

This loan may be the right choice for a borrower with good credit, so they can benefit from a low interest rate and application fee. Also remember, it is an unsecured loan so is suited for borrowers that don’t want or aren’t able to put up assets as collateral.

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Any catches

While fixed rates start at a low 5.95% (5.95% comparison rate*) these only benefit those with a good credit score. If you are on the other side of the fence and your credit isn’t healthy, rates go up to 26.99% (26.99% comparison rate*). So it may be wise to compare other risk-based personal loans before signing the dotted line.


Rates and fees information correct as at 28 June 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.


5.95% 26.99% p.a. fixed

5.95% 26.99% p.a.based on $30,000
over 5 years







Other financial bits



3 Years

7 Years



Weekly, Fortnightly, Monthly



Interest rate vary according to an individuals credit history. Rates and fees shown are for an Excellent Credit borrower.


WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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