---
title: "Fresh start car loan — Liberty Financial"
description: "Personal Loans from Liberty Financial. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/liberty-financial/products/fb1985b5-29aa-428a-9b75-a90734364ff4
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-09T00:00:00Z
---

# Fresh start car loan — Liberty Financial

> Personal Loans from Liberty Financial. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans**

Fresh start car loans

## At a glance

- **From:** 12.49% (15.06% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Comparison rates are based on a secured $30,000 car loan over a 5-year term, with no balloon payment for a new car. WARNING: 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 the loan to value ratio is above 120% based on Glass’s retail value. Additional interest rate loadings also apply where used vehicles are provided as security for the loan.) | 12.49% | 15.06% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application fee — Application fee varies. Other fees, charges and commissions may apply. | Other | Variable |
| Equalisation (risk) fee — Starting from 2% | Upfront | 0.2% of balance |
| Ongoing fee — Charged monthly · Ongoing fee $10 per month | Ongoing | $10.00 |
| Discharge fee — Early termination fees such as break costs may apply. | Exit | $125.00 |

## Features

- **Repayments weekly, fortnightly, monthly** — Flexible repayment frequency
- **Bad credit history accepted** — Poor credit history considered
- **An interest rate discount of 0.25% p.a. applies for new and used plug-in electric vehicles. Hybrids excluded.** — Discounts apply for electric vehicles 
- **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.** — New and used vehicles
- **Support for start-up businesses** — Start-up business support
- **Support for borrowers with bad credit** — Bad credit support
- **Support for variable income borrowers** — Variable income support
- **Support for low documentation borrowers** — Low-doc support

## Constraints

- **Maximum limit** — $50,000.00 (Maximum loan amount for applicants under 23 years of age is $25,000.)
- **Minimum limit** — $5,000.00 (Minimum loan amount of $5,000)
- **Loan terms from 2 to 5 years** — Maximum loan term 5 years
- **Loan terms from 2 to 5 years** — Minimum loan term 2 years

## More information from Liberty Financial

- [Overview](https://liberty.com.au/car-loans/fresh-start-car-loans)

## Data provenance

- Published by Liberty Financial under the Consumer Data Right
- Product ID: `fb1985b5-29aa-428a-9b75-a90734364ff4`
- Last updated by the provider: 9 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/liberty-financial/fb1985b5-29aa-428a-9b75-a90734364ff4
- Provider page: https://www.cdrcompare.au/brands/liberty-financial
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000425

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/liberty-financial/products/fb1985b5-29aa-428a-9b75-a90734364ff4) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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