{
  "snapshot_at": "2026-11-07T00:26:20Z",
  "brand": "Police Credit Union Ltd",
  "brand_slug": "police-credit-union-ltd",
  "product_id": "Commercial_Vehicle_Fixed",
  "cdr_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/Commercial_Vehicle_Fixed",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/Commercial_Vehicle_Fixed'",
  "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": {
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [
      {
        "name": "VEHICLE_AND_EQUIPMENT_LOAN_APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "295.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf"
      },
      {
        "name": "DEFAULT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever your repayments become in arrears by 15 days or more.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "DEMAND_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we send you a notice demanding that you remedy a default under your contract.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "DISHONOUR_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever a direct debit, cheque or payment order to your account is declined or dishonoured.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "interestPaymentDue": "IN_ADVANCE",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR <80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.000001",
            "maximumValue": "0.500000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P7Y",
        "additionalInfoUri": "https://www.policecu.com.au/business-lending/#our-business-lending-options-include"
      }
    ],
    "productCategory": "BUSINESS_LOANS",
    "productId": "Commercial_Vehicle_Fixed",
    "lastUpdated": "2026-11-06T14:54:30.000+10:30",
    "name": "Commercial Vehicle Fixed Loan",
    "description": "Commercial Vehicle Fixed Loan",
    "brand": "POLICE CREDIT UNION LIMITED",
    "brandName": "POLICE CREDIT UNION LIMITED",
    "applicationUri": "https://www.policecu.com.au/PCUDocuments/Credit_Application_Form_Car_Loans_Personal%20Loans_&_Credit_Cards.pdf",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.policecu.com.au/business-lending/#business-lending",
      "termsUri": "https://www.policecu.com.au/business-lending/#our-business-lending-options-include",
      "eligibilityUri": "https://www.policecu.com.au/business-lending/#our-business-lending-options-include",
      "feesAndPricingUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf",
      "bundleUri": "https://www.policecu.com.au/business-lending/#our-business-lending-options-include"
    }
  }
}