{
  "snapshot_at": "2026-11-13T01:35:34Z",
  "brand": "Great Southern Bank Business+",
  "brand_slug": "great-southern-bank-business",
  "product_id": "47cab4b5-9653-4f01-b908-90c036bbc12e",
  "cdr_url": "https://od1.open-banking.business.greatsouthernbank.com.au/api/cds-au/v1/banking/products/47cab4b5-9653-4f01-b908-90c036bbc12e",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://od1.open-banking.business.greatsouthernbank.com.au/api/cds-au/v1/banking/products/47cab4b5-9653-4f01-b908-90c036bbc12e'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "additionalInformation": {
      "additionalTermsUris": [
        {
          "additionalInfoUri": "https://cdn.gsb1.prod.cxnpl.io/files/app/Terms%20and%20Conditions.pdf",
          "description": "App Terms and Conditions"
        },
        {
          "additionalInfoUri": "https://cdn.gsb1.prod.cxnpl.io/files/app/TermsAndConditionsVehicleLoan.pdf",
          "description": "Product Terms and Conditions"
        }
      ],
      "termsUri": "https://cdn.gsb1.prod.cxnpl.io/files/app/TermsAndConditionsVehicleLoan.pdf"
    },
    "brand": "Credit Union Australia Ltd",
    "brandName": "Great Southern Bank Business+",
    "constraints": [
      {
        "additionalInfo": "7 year maximum term",
        "additionalValue": "7.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Maximum loan amount",
        "additionalValue": "250000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "1 year minimum term",
        "additionalValue": "1.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Minimum loan amount",
        "additionalValue": "10000.00",
        "constraintType": "MIN_LIMIT"
      }
    ],
    "description": "Keep your business moving with a Business+ Vehicle Loan. A Business+ Vehicle Loan can be used to buy a new and second-hand vehicles up to five years old.",
    "effectiveFrom": "2024-11-08T00:59:00Z",
    "eligibility": [
      {
        "additionalInfo": "In order to apply for this product, you will be subject to additional criteria including but not limited to: your business must be wholly or predominantly available for business purposes operating in Australia.",
        "eligibilityType": "BUSINESS"
      },
      {
        "additionalInfo": "To open an account, you must have an active ABN or ACN, and you must be registered as either a Sole Trader or a Private Company with the Australian Business Register.",
        "eligibilityType": "BUSINESS"
      },
      {
        "additionalInfo": "To open an account, you must meet our ID verification requirements.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalValue": "You must be an Australian tax resident.",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "You must have an Australian mobile number and a valid email address.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "To open an account, you must have an Australian Address.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalInfo": "Hold a current Australian driver's licence",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "You can access your accounts on your mobile for all your online banking.",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Subject to terms and conditions, you may need to nominate a guarantor during the origination process.",
        "featureType": "GUARANTOR"
      },
      {
        "additionalValue": "All statements, notices and other communication in connection with these terms and conditions and your account may be given electronically by Great Southern Bank by: email, text message, in app push notifications, in app prompts, or letting you know by email, text message or push notification that the information is available on the app or on a website. You should check your emails, text messages and push notifications regularly.",
        "featureType": "NOTIFICATIONS"
      },
      {
        "additionalInfo": "The product includes fraud protection functionality.",
        "featureType": "FRAUD_PROTECTION"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Flat one-off fee to be applied upon Early Payout of Fixed Rate Loan.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PAYMENT",
        "fixedAmount": {
          "amount": "50.00"
        },
        "name": "Early Repayment Fee"
      },
      {
        "additionalInfo": "Fee is added to the amount owing at the time of issuing the letter, and is due to be repaid with next repayment.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "22.00"
        },
        "name": "Arrears Letter Fee"
      },
      {
        "additionalInfo": "This fee forms part of the total amount financed.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "100.00"
        },
        "name": "Security Administration Fee"
      },
      {
        "additionalInfo": "This fee is applied monthly on the account.",
        "additionalValue": "P1M",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "8.00"
        },
        "name": "Service Fee"
      },
      {
        "additionalInfo": "If the loan is repaid (in whole or in part), varied or terminated before the end of the fixed rate period, GSB may incur costs under our finance arrangements and were likely to pass on these costs as Early Payout Costs to you. ",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "VARIATION",
        "name": "Early payout cost",
        "variable": {}
      },
      {
        "additionalInfo": "This fee forms part of the total amount financed.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "595.00"
        },
        "name": "Establishment Fee"
      },
      {
        "additionalInfo": "Payable if your loan is in arrears by 60 days and we or our agent send you (and your guarantor) a letter in relation to the default.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "33.00"
        },
        "name": "Default Notice Fee"
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-04-28T04:40:01.154488Z",
    "lendingRates": [
      {
        "additionalInfo": "Customer margin may apply.",
        "additionalValue": "P6Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0679",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "maximumValue": "250000.00",
            "minimumValue": "10000.00",
            "name": "Minimum & Maximum Loan Value - Six Year Fixed",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Customer margin may apply.",
        "additionalValue": "P7Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0679",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "maximumValue": "250000.00",
            "minimumValue": "10000.00",
            "name": "Minimum & Maximum Loan Value - Seven Year Fixed",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Customer margin may apply.",
        "additionalValue": "P2Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0699",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "maximumValue": "250000.00",
            "minimumValue": "10000.00",
            "name": "Minimum & Maximum Loan Value - Two Year Fixed",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Customer margin may apply.",
        "additionalValue": "P1Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0699",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "maximumValue": "250000.00",
            "minimumValue": "10000.00",
            "name": "Minimum & Maximum Loan Value - One Year Fixed",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Customer margin may apply.",
        "additionalValue": "P4Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0679",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "maximumValue": "250000.00",
            "minimumValue": "10000.00",
            "name": "Minimum & Maximum Loan Value - Four Year Fixed",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Customer margin may apply.",
        "additionalValue": "P5Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0679",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "maximumValue": "250000.00",
            "minimumValue": "10000.00",
            "name": "Minimum & Maximum Loan Value - Five Year Fixed",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Customer margin may apply.",
        "additionalValue": "P3Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0679",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "maximumValue": "250000.00",
            "minimumValue": "10000.00",
            "name": "Minimum & Maximum Loan Value - Three Year Fixed",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "name": "Business+ Vehicle Loan",
    "productCategory": "BUSINESS_LOANS",
    "productId": "47cab4b5-9653-4f01-b908-90c036bbc12e"
  }
}