{
  "snapshot_at": "2026-10-18T13:35:22Z",
  "brand": "Southern Cross Credit Union",
  "brand_slug": "southern-cross-credit-union",
  "product_id": "BUSINESS_VEHICLE_LOAN",
  "cdr_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_VEHICLE_LOAN",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_VEHICLE_LOAN'",
  "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": {
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.076",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P60M",
        "additionalInfo": "Rate fixed for the term of the loan",
        "additionalInfoUri": "https://www.sccu.com.au/Loan-Interest-Rate-Schedule"
      }
    ],
    "productCategory": "BUSINESS_LOANS",
    "productId": "BUSINESS_VEHICLE_LOAN",
    "lastUpdated": "2026-06-09T11:07:31.000+10:00",
    "name": "BUSINESS VEHICLE LOAN",
    "description": "Loan to buy new or demo business vehicle up to 4.5 tonne GVM, $20-150K with vehicle taken as security over the loan.",
    "brand": "S",
    "brandName": "SCCU",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.sccu.com.au/business-finance/business-vehicle-loan/",
      "termsUri": "https://www.sccu.com.au/sccu-loan-contract-general-terms-and-conditions/",
      "eligibilityUri": "https://www.sccu.com.au/Business-Vehicle-Loan-TMD",
      "feesAndPricingUri": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges-Business-Loan-Products"
    }
  }
}