{
  "snapshot_at": "2026-10-18T13:35:26Z",
  "brand": "SWSbank",
  "brand_slug": "swsbank",
  "product_id": "L30_FR_COMM_VL",
  "cdr_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L30_FR_COMM_VL",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L30_FR_COMM_VL'",
  "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",
        "additionalInfo": "Internet Banking & App"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Alerts"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Maximum loan term is 7 years"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "No fee for additional repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Weekly, Fortnightly or Monthly repayment options"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No application, establishment or monthly fees for the term of the loan"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "200000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent resident"
      },
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0599",
        "comparisonRate": "0.0599",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "P84M",
        "additionalInfoUri": "https://www.swsbank.com.au/loans/vehicle-loans/fixed-rate-commercial-vehicle-loan/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0599",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfoUri": "https://www.swsbank.com.au/loans/vehicle-loans/fixed-rate-commercial-vehicle-loan/"
      }
    ],
    "productCategory": "BUSINESS_LOANS",
    "productId": "L30_FR_COMM_VL",
    "lastUpdated": "2025-12-16T14:22:04.000+11:00",
    "name": "Fixed Rate Commercial Car",
    "description": "Vehicle up to 36 monthls old",
    "brand": "South West Slopes Credit Union",
    "brandName": "South West Slopes Credit Union Ltd trading as SWSbank",
    "applicationUri": "https://www.swsbank.com.au/loans/business-loans/all-business-loans/",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.swsbank.com.au/loans/vehicle-loans/fixed-rate-commercial-vehicle-loan/",
      "termsUri": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/",
      "feesAndPricingUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
    }
  }
}