{
  "brand": "MoveBank",
  "brand_label": "MoveBank",
  "brand_slug": "movebank",
  "legal_entity_abn": "91087651090",
  "public_base_uri": "https://od1.cdr.digital.move.bank/api",
  "logo_uri": "https://move.bank/images/logo-black.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-12T14:27:44Z",
  "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":"fixed","comparison_rate_pct":6.36,"rate_pct":6.09,"rate_max_pct":null,"comparison_rate_max_pct":null,"product_label":"Move Car Loan","reference_loans":[15000,30000,60000],"loan_min":10000,"loan_max":150000,"vehicle_age_max":20,"max_vehicle_age_months":240,"vehicle_age_quote":"Maximum loan amount is $150,000 for vehicles aged 3 years or under, or $75,000 for vehicles aged over 3 up to 20 years.","term_max_months":84,"security":null,"annual_fee":null,"upfront_fees":195,"risk_based":false,"conditions":"k1","restrictions":[],"record_stale":false},
      {"vehicle":"used","kind":"fixed","comparison_rate_pct":6.36,"rate_pct":6.09,"rate_max_pct":null,"comparison_rate_max_pct":null,"product_label":"Move Car Loan","reference_loans":[15000,30000,60000],"loan_min":10000,"loan_max":150000,"vehicle_age_max":20,"max_vehicle_age_months":240,"vehicle_age_quote":"Maximum loan amount is $150,000 for vehicles aged 3 years or under, or $75,000 for vehicles aged over 3 up to 20 years.","term_max_months":84,"security":null,"annual_fee":null,"upfront_fees":195,"risk_based":false,"conditions":"k1","restrictions":[],"record_stale":false},
      {"vehicle":"green","kind":"fixed","comparison_rate_pct":6.36,"rate_pct":6.09,"rate_max_pct":null,"comparison_rate_max_pct":null,"product_label":"Move Car Loan","reference_loans":[15000,30000,60000],"loan_min":10000,"loan_max":150000,"vehicle_age_max":20,"max_vehicle_age_months":240,"vehicle_age_quote":"Maximum loan amount is $150,000 for vehicles aged 3 years or under, or $75,000 for vehicles aged over 3 up to 20 years.","term_max_months":84,"security":null,"annual_fee":null,"upfront_fees":195,"risk_based":false,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "vehicles up to 20 years old"
      ]
    },
    "unranked": {
      "rows": 0
    }
  },
  "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": "c60b0aac-2a2d-4eaf-a240-7aae4acc7f0c",
      "product_name": "Move Car Loan",
      "product_label": "Move Car Loan",
      "product_url": "https://move.bank/loans/car-loans/car-loan-fixed-rate",
      "terms_url": "https://move.bank/about-us/conditions-of-use",
      "fees_url": "https://move.bank/tools-resources/interest-rates-fees/fees-charges",
      "eligibility_url": null,
      "terms_url_source": "feed",
      "car_loan_basis": "name",
      "description": "Move Car Loan",
      "redraw": true,
      "extra_repayments": true,
      "annual_fee": null,
      "upfront_fees": 195.0,
      "fees": [
        {
          "name": "Default Notice Fee",
          "fee_type": "EVENT",
          "amount": 50.0,
          "frequency": null,
          "info": null
        },
        {
          "name": "Enforcement expenses",
          "fee_type": "OTHER",
          "amount": null,
          "frequency": null,
          "info": "Payable when MoveBank incurs reasonable costs as a result of loan default, recovery action or enforcement proceedings. This may include legal, court, collectio…"
        },
        {
          "name": "Establishment Fee",
          "fee_type": "UPFRONT",
          "amount": 195.0,
          "frequency": null,
          "info": null
        },
        {
          "name": "Substitution of security",
          "fee_type": "EVENT",
          "amount": 150.0,
          "frequency": null,
          "info": null
        }
      ],
      "fees_without_amount": [
        "Enforcement expenses"
      ],
      "loan_min": 10000.0,
      "loan_max": 150000.0,
      "max_lvr": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "discounts": [],
      "source_url": "https://od1.cdr.digital.move.bank/api/cds-au/v1/banking/products/c60b0aac-2a2d-4eaf-a240-7aae4acc7f0c",
      "source_snapshot": "/au/finance/car-loans/v1/source/movebank/c60b0aac-2a2d-4eaf-a240-7aae4acc7f0c.json",
      "snapshot_at": "2026-11-13T01:28:50Z",
      "bank_last_updated": "2026-11-12T14:27:44.470497Z",
      "correction": null,
      "row_count": 1
    }
  ],
  "rows": [
    {
      "brand": "MoveBank",
      "brand_label": "MoveBank",
      "brand_slug": "movebank",
      "legal_entity_abn": "91087651090",
      "product_id": "c60b0aac-2a2d-4eaf-a240-7aae4acc7f0c",
      "product_name": "Move Car Loan",
      "product_label": "Move Car Loan",
      "product_url": "https://move.bank/loans/car-loans/car-loan-fixed-rate",
      "terms_url": "https://move.bank/about-us/conditions-of-use",
      "car_loan_basis": "name",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 84,
      "kind": "fixed",
      "vehicles": [
        "new",
        "used",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": 20,
      "max_vehicle_age_months": 240,
      "vehicle_age_quote": "Maximum loan amount is $150,000 for vehicles aged 3 years or under, or $75,000 for vehicles aged over 3 up to 20 years.",
      "security": null,
      "term_min_months": 12,
      "term_max_months": 84,
      "rate": 0.0609,
      "rate_pct": 6.09,
      "rate_published_pct": 6.09,
      "rate_unreliable": false,
      "comparison_rate": 0.0636,
      "comparison_rate_pct": 6.36,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 10000.0,
      "loan_max": 150000.0,
      "max_lvr": null,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": 195.0,
      "restrictions": [],
      "ranked": true,
      "unranked_reason": null,
      "conditions": [
        "vehicles up to 20 years old"
      ],
      "loan_purpose_raw": "OTHER",
      "repayment_type_raw": "PRINCIPAL_AND_INTEREST",
      "additional_info": "Fixed for the full loan term (1 to 7 years).",
      "source_url": "https://od1.cdr.digital.move.bank/api/cds-au/v1/banking/products/c60b0aac-2a2d-4eaf-a240-7aae4acc7f0c",
      "source_snapshot": "/au/finance/car-loans/v1/source/movebank/c60b0aac-2a2d-4eaf-a240-7aae4acc7f0c.json",
      "bank_last_updated": "2026-11-12T14:27:44.470497Z"
    }
  ]
}