{
  "brand": "Liberty Financial",
  "brand_label": "Liberty Financial",
  "brand_slug": "liberty-financial",
  "legal_entity_abn": "55077248983",
  "public_base_uri": "https://services.liberty.com.au/api/data-holder-public",
  "logo_uri": "https://d2ttwt9gu7swv4.cloudfront.net/cdr_assets/Liberty-Aero-Horizontal-RGB.jpg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-10T13:00:00Z",
  "at_a_glance": {
    "note": "This bank's lowest-ranked car loan per vehicle (new, used, green) and rate kind (fixed, variable), one line each: the lowest of the bank's own entries in the best/{vehicle}/{kind}/{loan}.json slices (broker-only and occupation-limited rates left out, as there), so it matches best/ and top/; a bank with no entry there for a vehicle and kind (a lender open only to certain occupations, say) takes its entry from entries_all. Ranking is by comparison rate. reference_loans are the slice loan amounts where it is the bank's entry. rate_pct is null when the bank's rate field is unreliable. conditions is a key into condition_sets. unranked counts the rows no slice ranks, by reason. Every product and rate row follows in products and rows.",
    "rates": [
      {"vehicle":"new","kind":"variable","comparison_rate_pct":11.44,"rate_pct":9.79,"rate_max_pct":null,"comparison_rate_max_pct":null,"product_label":"Flexible Car Loan","reference_loans":[15000,30000,60000],"loan_min":5000,"loan_max":100000,"vehicle_age_max":null,"max_vehicle_age_months":null,"vehicle_age_quote":null,"term_max_months":84,"security":"secured","annual_fee":120,"upfront_fees":null,"risk_based":true,"conditions":"k1","restrictions":[],"record_stale":false},
      {"vehicle":"used","kind":"variable","comparison_rate_pct":11.44,"rate_pct":9.79,"rate_max_pct":null,"comparison_rate_max_pct":null,"product_label":"Flexible Car Loan","reference_loans":[15000,30000,60000],"loan_min":5000,"loan_max":100000,"vehicle_age_max":null,"max_vehicle_age_months":null,"vehicle_age_quote":null,"term_max_months":84,"security":"secured","annual_fee":120,"upfront_fees":null,"risk_based":true,"conditions":"k1","restrictions":[],"record_stale":false},
      {"vehicle":"green","kind":"variable","comparison_rate_pct":11.44,"rate_pct":9.79,"rate_max_pct":null,"comparison_rate_max_pct":null,"product_label":"Flexible Car Loan","reference_loans":[15000,30000,60000],"loan_min":5000,"loan_max":100000,"vehicle_age_max":null,"max_vehicle_age_months":null,"vehicle_age_quote":null,"term_max_months":84,"security":"secured","annual_fee":120,"upfront_fees":null,"risk_based":true,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "Rate depends on your credit history",
        "$125 discharge fee; break costs may apply",
        "$125 discharge fee",
        "maximum $25,000 for applicants under 23",
        "higher rate where loan-to-value ratio is above 120%",
        "maximum vehicle age at the end of the term is 8 years with a balloon payment"
      ]
    },
    "unranked": {
      "rows": 1,
      "no_comparison_rate": 1
    }
  },
  "source": "Each bank's own published product data (Consumer Data Right Product Reference Data APIs, public and unauthenticated, personal loans category), with the terms it leaves out read from the bank's own terms and pages",
  "licence_note": "Rates are published by each bank as public product reference data under the Consumer Data Right and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Terms that data leaves out (vehicle age limits, fees, loan terms, early repayment costs, who may borrow) are read from the bank's own terms and pages, quoted, and re-checked daily; where the bank's page contradicts its product record, we follow the page until the bank republishes. Rates change without notice and the rate a borrower is offered depends on the bank's assessment, often of their credit history; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "4ab135c2-2407-40cf-b272-3ade65698076",
      "product_name": "Flexible car loan",
      "product_label": "Flexible Car Loan",
      "product_url": "https://liberty.com.au/car-loans/flexible-car-loans",
      "terms_url": null,
      "fees_url": null,
      "eligibility_url": null,
      "terms_url_source": null,
      "car_loan_basis": "name",
      "description": "Flexible car loans",
      "redraw": false,
      "extra_repayments": null,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "fees": [
        {
          "name": "Application fee",
          "fee_type": "OTHER",
          "amount": null,
          "frequency": null,
          "info": "Application fee varies. Other fees, charges and commissions may apply."
        },
        {
          "name": "Ongoing fee",
          "fee_type": "PERIODIC",
          "amount": 10.0,
          "frequency": "P1M",
          "info": "Service fee $10 per month"
        },
        {
          "name": "Discharge fee",
          "fee_type": "EXIT",
          "amount": 125.0,
          "frequency": null,
          "info": "Early termination fees such as break costs may apply."
        }
      ],
      "fees_without_amount": [
        "Application fee"
      ],
      "loan_min": 5000.0,
      "loan_max": 100000.0,
      "max_lvr": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "discounts": [],
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/4ab135c2-2407-40cf-b272-3ade65698076",
      "source_snapshot": "/au/finance/car-loans/v1/source/liberty-financial/4ab135c2-2407-40cf-b272-3ade65698076.json",
      "snapshot_at": "2026-11-13T01:28:47Z",
      "bank_last_updated": "2026-11-10T13:00:00Z",
      "correction": null,
      "row_count": 1,
      "conditions": [
        "$125 discharge fee; break costs may apply",
        "$125 discharge fee",
        "maximum $25,000 for applicants under 23",
        "higher rate where loan-to-value ratio is above 120%",
        "maximum vehicle age at the end of the term is 8 years with a balloon payment"
      ]
    },
    {
      "product_id": "fb1985b5-29aa-428a-9b75-a90734364ff4",
      "product_name": "Fresh start car loan",
      "product_label": "Fresh Start Car Loan",
      "product_url": "https://liberty.com.au/car-loans/fresh-start-car-loans",
      "terms_url": null,
      "fees_url": null,
      "eligibility_url": null,
      "terms_url_source": null,
      "car_loan_basis": "name",
      "description": "Fresh start car loans",
      "redraw": false,
      "extra_repayments": null,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "fees": [
        {
          "name": "Application fee",
          "fee_type": "OTHER",
          "amount": null,
          "frequency": null,
          "info": "Application fee varies. Other fees, charges and commissions may apply."
        },
        {
          "name": "Equalisation (risk) fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": null
        },
        {
          "name": "Ongoing fee",
          "fee_type": "PERIODIC",
          "amount": 10.0,
          "frequency": "P1M",
          "info": "Ongoing fee $10 per month"
        },
        {
          "name": "Discharge fee",
          "fee_type": "EXIT",
          "amount": 125.0,
          "frequency": null,
          "info": "Early termination fees such as break costs may apply."
        }
      ],
      "fees_without_amount": [
        "Application fee",
        "Equalisation (risk) fee"
      ],
      "loan_min": 5000.0,
      "loan_max": 50000.0,
      "max_lvr": null,
      "restrictions": [
        "credit_impaired"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "discounts": [],
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/fb1985b5-29aa-428a-9b75-a90734364ff4",
      "source_snapshot": "/au/finance/car-loans/v1/source/liberty-financial/fb1985b5-29aa-428a-9b75-a90734364ff4.json",
      "snapshot_at": "2026-11-13T01:28:47Z",
      "bank_last_updated": "2026-11-10T13:00:00Z",
      "correction": null,
      "row_count": 1,
      "conditions": [
        "$125 discharge fee; break costs may apply",
        "$125 discharge fee",
        "maximum $25,000 for applicants under 23",
        "higher rate where loan-to-value ratio is above 120%",
        "equalisation (risk) fee from 2%"
      ]
    },
    {
      "product_id": "830aa2c3-49a7-4472-b1a7-87a10e7605c7",
      "product_name": "Low doc car loan",
      "product_label": "Low Doc Car Loan",
      "product_url": "https://liberty.com.au/car-loans/low-doc-car-loans",
      "terms_url": null,
      "fees_url": null,
      "eligibility_url": null,
      "terms_url_source": null,
      "car_loan_basis": "name",
      "description": "Low doc car loans",
      "redraw": false,
      "extra_repayments": null,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "fees": [
        {
          "name": "Application fee",
          "fee_type": "OTHER",
          "amount": null,
          "frequency": null,
          "info": "Application fee varies. Other fees, charges and commissions may apply."
        },
        {
          "name": "Ongoing fee",
          "fee_type": "PERIODIC",
          "amount": 10.0,
          "frequency": "P1M",
          "info": "Ongoing fee $10 per month"
        },
        {
          "name": "Discharge fee",
          "fee_type": "EXIT",
          "amount": 125.0,
          "frequency": null,
          "info": "Early termination fees such as break costs may apply"
        }
      ],
      "fees_without_amount": [
        "Application fee"
      ],
      "loan_min": 5000.0,
      "loan_max": 100000.0,
      "max_lvr": null,
      "restrictions": [
        "low_doc"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "discounts": [],
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/830aa2c3-49a7-4472-b1a7-87a10e7605c7",
      "source_snapshot": "/au/finance/car-loans/v1/source/liberty-financial/830aa2c3-49a7-4472-b1a7-87a10e7605c7.json",
      "snapshot_at": "2026-11-13T01:28:47Z",
      "bank_last_updated": "2026-11-10T13:00:00Z",
      "correction": null,
      "row_count": 1
    }
  ],
  "rows": [
    {
      "brand": "Liberty Financial",
      "brand_label": "Liberty Financial",
      "brand_slug": "liberty-financial",
      "legal_entity_abn": "55077248983",
      "product_id": "4ab135c2-2407-40cf-b272-3ade65698076",
      "product_name": "Flexible car loan",
      "product_label": "Flexible Car Loan",
      "product_url": "https://liberty.com.au/car-loans/flexible-car-loans",
      "terms_url": null,
      "car_loan_basis": "name",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "vehicles": [
        "new",
        "used",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": "secured",
      "term_min_months": 24,
      "term_max_months": 84,
      "rate": 0.0979,
      "rate_pct": 9.79,
      "rate_published_pct": 9.79,
      "rate_unreliable": false,
      "comparison_rate": 0.1144,
      "comparison_rate_pct": 11.44,
      "comparison_basis": {
        "amount": 30000.0,
        "term_months": 60
      },
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": true,
      "credit_band": null,
      "loan_min": 5000.0,
      "loan_max": 100000.0,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "restrictions": [],
      "ranked": true,
      "unranked_reason": null,
      "conditions": [
        "Rate depends on your credit history",
        "$125 discharge fee; break costs may apply",
        "$125 discharge fee",
        "maximum $25,000 for applicants under 23",
        "higher rate where loan-to-value ratio is above 120%",
        "maximum vehicle age at the end of the term is 8 years with a balloon payment"
      ],
      "loan_purpose_raw": "UNCONSTRAINED",
      "repayment_type_raw": "PRINCIPAL_AND_INTEREST",
      "additional_info": "Comparison rates are based on a secured $30,000 car loan over a 5-year term, with no balloon payment for a new car. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different com…",
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/4ab135c2-2407-40cf-b272-3ade65698076",
      "source_snapshot": "/au/finance/car-loans/v1/source/liberty-financial/4ab135c2-2407-40cf-b272-3ade65698076.json",
      "bank_last_updated": "2026-11-10T13:00:00Z"
    },
    {
      "brand": "Liberty Financial",
      "brand_label": "Liberty Financial",
      "brand_slug": "liberty-financial",
      "legal_entity_abn": "55077248983",
      "product_id": "fb1985b5-29aa-428a-9b75-a90734364ff4",
      "product_name": "Fresh start car loan",
      "product_label": "Fresh Start Car Loan",
      "product_url": "https://liberty.com.au/car-loans/fresh-start-car-loans",
      "terms_url": null,
      "car_loan_basis": "name",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "vehicles": [
        "new",
        "used",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": "secured",
      "term_min_months": 24,
      "term_max_months": 60,
      "rate": 0.1324,
      "rate_pct": 13.24,
      "rate_published_pct": 13.24,
      "rate_unreliable": false,
      "comparison_rate": 0.1582,
      "comparison_rate_pct": 15.82,
      "comparison_basis": {
        "amount": 30000.0,
        "term_months": 60
      },
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": true,
      "credit_band": null,
      "loan_min": 5000.0,
      "loan_max": 50000.0,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "restrictions": [
        "credit_impaired"
      ],
      "ranked": true,
      "unranked_reason": null,
      "conditions": [
        "for borrowers with impaired credit",
        "Rate depends on your credit history",
        "$125 discharge fee; break costs may apply",
        "$125 discharge fee",
        "maximum $25,000 for applicants under 23",
        "higher rate where loan-to-value ratio is above 120%",
        "equalisation (risk) fee from 2%"
      ],
      "loan_purpose_raw": "UNCONSTRAINED",
      "repayment_type_raw": "PRINCIPAL_AND_INTEREST",
      "additional_info": "Comparison rates are based on a secured $30,000 car loan over a 5-year term, with no balloon payment for a new car. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different com…",
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/fb1985b5-29aa-428a-9b75-a90734364ff4",
      "source_snapshot": "/au/finance/car-loans/v1/source/liberty-financial/fb1985b5-29aa-428a-9b75-a90734364ff4.json",
      "bank_last_updated": "2026-11-10T13:00:00Z"
    },
    {
      "brand": "Liberty Financial",
      "brand_label": "Liberty Financial",
      "brand_slug": "liberty-financial",
      "legal_entity_abn": "55077248983",
      "product_id": "830aa2c3-49a7-4472-b1a7-87a10e7605c7",
      "product_name": "Low doc car loan",
      "product_label": "Low Doc Car Loan",
      "product_url": "https://liberty.com.au/car-loans/low-doc-car-loans",
      "terms_url": null,
      "car_loan_basis": "name",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "vehicles": [
        "new",
        "used",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": 24,
      "term_max_months": 84,
      "rate": 0.0979,
      "rate_pct": 9.79,
      "rate_published_pct": 9.79,
      "rate_unreliable": false,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 5000.0,
      "loan_max": 100000.0,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "restrictions": [
        "low_doc"
      ],
      "ranked": false,
      "unranked_reason": "no_comparison_rate",
      "conditions": [
        "low-doc lending"
      ],
      "loan_purpose_raw": "UNCONSTRAINED",
      "repayment_type_raw": "PRINCIPAL_AND_INTEREST",
      "additional_info": "Variable interest rate starting from 9.79% p.a.",
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/830aa2c3-49a7-4472-b1a7-87a10e7605c7",
      "source_snapshot": "/au/finance/car-loans/v1/source/liberty-financial/830aa2c3-49a7-4472-b1a7-87a10e7605c7.json",
      "bank_last_updated": "2026-11-10T13:00:00Z"
    }
  ]
}