Liberty Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Liberty Bank suits Georgian borrowers who want an unsecured personal loan and a purchase mortgage from the same direct lender. Costs sit mid market: the personal loan rate runs 8.9% to 17.7% while the mortgage APRC is 8.52% to 12.7%, so comparing rates with other lenders still pays.

Key facts

Best for
Borrowers in Georgia who want personal loans and home purchase mortgages from one bank.
APR
8.9% to 17.7% (Source, checked September 26, 2026)
Loan amount
GEL 300 to GEL 80,000 (Source, checked September 26, 2026)
Term
3 to 48 months (Source, checked September 26, 2026)
Arrangement fee
2.5% min. 40 GEL, unsecured consumer loan (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
5,000 GEL for 12 months (unsecured consumer loan), effective rate 17.7% (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Age 18 - 70 years; income from 200 GEL (Source, checked September 26, 2026)
Origination fee (%)
2.5% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
JSC Liberty Bank (Source, checked September 26, 2026)
Headquarters
Georgia (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Community (Source, checked September 26, 2026)
Official website
libertybank.ge

Mortgages

Initial rate
7.5% to 11.8% (Source, checked September 26, 2026)
APRC
8.52% to 12.7% (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Product fee
GEL 50 (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
JSC Liberty Bank (Source, checked September 26, 2026)
Headquarters
Georgia (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Community (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInXfacebook.comyoutube.com

Pros and cons

Pros

  • Mortgage lending up to 100% loan to value for purchases
  • Lending amount GEL 300 to GEL 80,000 with a term of 3 to 48
  • Prices direct, since it is a direct lender rather than a broker
  • Support runs on email, phone and help centre

Cons

  • Mortgage product fee of GEL 50 applies to purchase lending
  • Credit assessment is hard, so hard checks apply
  • Personal loan top rate reaches 8.9% to 17.7% against a site median of 12%
Liberty Bank

Ready to try Liberty Bank?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Georgian adults with a steady income who want a small personal loan
  • Homebuyers who value a high maximum loan to value
  • Borrowers who prefer dealing with the lender rather than a broker

Who should look elsewhere

  • Anyone wanting debt consolidation, since personal covers personal loans only
  • Remortgagers, since purchase covers purchase only
  • Borrowers wanting a soft prequalification, given hard checks

How Liberty Bank compares

Where Liberty Bank is available

Available
Georgia
Licence in Georgia
National Bank of Georgia, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Liberty Bank personal loan?+

Personal loan rates run 8.9% to 17.7%, and the representative example on offer is an unsecured consumer loan priced at the top of that range. That sits close to the site median of 12%, so cheaper options may exist elsewhere.

How much can I borrow and for how long?+

Loan amounts run GEL 300 to GEL 80,000, which covers both small and larger personal needs. Terms run 3 to 48, so you can spread a repayment over a shorter or longer window depending on your budget.

What fees does Liberty Bank charge on a personal loan?+

The arrangement fee on an unsecured consumer loan is 2.5% min. 40 GEL, unsecured consumer loan. Borrowing costs therefore sit above the headline rate of 8.9% to 17.7%, so the fee is worth weighing before you apply for a smaller personal loan.

Does Liberty Bank lend for home purchase?+

Yes. The mortgage is aimed at purchase, with an initial rate of 7.5% to 11.8% and an APRC of 8.52% to 12.7%. Lending can reach 100% loan to value, so a purchase with a small deposit is still on the table.

What does a Liberty Bank mortgage cost in fees?+

There is a product fee of GEL 50 on the purchase mortgage. Combine it with the 8.52% to 12.7% to judge the true cost rather than the headline initial rate of 7.5% to 11.8% alone.

How is Liberty Bank regulated?+

It is licensed in Georgia by the National Bank of Georgia, so its lending sits inside a regulated market rather than an informal one. Confirm current terms and any protection details with the bank before you sign.

How do I reach Liberty Bank for help?+

You can get in touch through email, phone and help centre, which covers several ways to reach the bank. There is a phone line, email, a help centre and a community, so questions about a live application are easier to resolve.

Who is eligible for a Liberty Bank loan?+

Applicants must be adults. The stated rule is Age 18 - 70 years; income from 200 GEL, so a minimum age and a minimum income both apply. Applications involve a hard credit check, which means an existing record counts.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

Related by the facts

Liberty Bank

Liberty Bank

Borrowers in Georgia who want personal loans and home purchase mortgages from one bank.

9.1/10See alternatives

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