{
  "dataset": "Australian car loan rates",
  "page": "https://deepalmanac.com/au/finance/car-loans/",
  "start_here": {
    "answer_file": "https://deepalmanac.com/au/finance/car-loans/v1/top/{vehicle}/{kind}/{loan}.json",
    "inputs": "vehicle new, used or green; kind any, fixed or variable; loan 15000, 30000 or 60000 (the nearest, then check loan_min and loan_max)",
    "example": "https://deepalmanac.com/au/finance/car-loans/v1/top/new/variable/15000.json",
    "lookup": "https://deepalmanac.com/v1/lookup/car-loans?vehicle=new&rate=variable&loan=12000",
    "compare": "https://deepalmanac.com/v1/compare/car-loans?loan=28000&vehicle=used&rate=any"
  },
  "generated_at": "2026-11-13T01:35:04Z",
  "fetched_at": "2026-11-13T01:35:03Z",
  "data_as_of": "2026-11-13T00:00:41Z",
  "data_as_of_basis": "The latest last-updated timestamp any bank's CDR feed reports for a car loan product, by the banks' own clocks, leaving out any later than the fetch.",
  "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.",
  "licences": [
    {
      "layer": "Consumer Data Right product reference data",
      "covers": "Products, rates, comparison rates, fees, loan limits and each bank's last-updated time",
      "licence": "No licence is stated. CDR rule 2.6 bars a data holder from imposing conditions, restrictions or limitations of any kind on the use of product data, and it is reproduced as fetched",
      "licence_url": null,
      "attribution": "Published by each bank; the source URL is on every row"
    },
    {
      "layer": "Banks' own terms and pages",
      "covers": "Vehicle age limits, fees, loan terms, early repayment costs and who may borrow, each with its quote",
      "licence": "None granted. The facts are reproduced as published, with the URL (and, where quoted, the sentence) they were read from; quoted wording remains the copyright of each bank. Check the publisher's own terms before reusing quoted wording",
      "licence_url": null,
      "attribution": "Each bank, named with the URL on every record"
    },
    {
      "layer": "Reserve Bank of Australia cash rate target",
      "covers": "cash_rate_change and the cash rate figures",
      "licence": "Creative Commons Attribution 4.0 International (CC BY 4.0)",
      "licence_url": "https://creativecommons.org/licenses/by/4.0/",
      "attribution": "Source: Reserve Bank of Australia"
    },
    {
      "layer": "Deep Almanac's own work",
      "covers": "Every field no other layer names: rankings and ranks, estimates (such as bills, interest and costs), derived, normalised and summary fields, counts, flags, and the selection and arrangement of the data",
      "licence": "Creative Commons Attribution 4.0 International (CC BY 4.0)",
      "licence_url": "https://creativecommons.org/licenses/by/4.0/",
      "attribution": "Deep Almanac (deepalmanac.com)"
    }
  ],
  "questions": "https://deepalmanac.com/au/finance/car-loans/v1/questions.json",
  "openapi": "https://deepalmanac.com/au/finance/car-loans/v1/openapi.json",
  "status": "https://deepalmanac.com/status.json",
  "llms": "https://deepalmanac.com/llms.txt",
  "files": [
    "https://deepalmanac.com/au/finance/car-loans/v1/questions.json",
    "https://deepalmanac.com/au/finance/car-loans/v1/rates.json",
    "https://deepalmanac.com/au/finance/car-loans/v1/best.json",
    "https://deepalmanac.com/au/finance/car-loans/v1/brands.json",
    "https://deepalmanac.com/au/finance/car-loans/v1/openapi.json",
    "https://deepalmanac.com/au/finance/car-loans/v1/top/new/any/30000.json"
  ],
  "coverage_note": "Covers only lenders that publish car loans under the Consumer Data Right: banks, credit unions and a few non-banks. Non-bank car financiers and dealer or manufacturer finance are not on the CDR register and are not included (checked 2026-10-18: Automotive Financial Services (AFS), Pepper, Plenti, Money3, Latitude, Toyota Finance, Angle Finance, Firstmac, Wisr, Harmoney, NOW Finance, Stratton and Metro Finance are absent). Business vehicle loans (chattel mortgages, ABN required) are a separate dataset, https://deepalmanac.com/au/finance/business-car-loans/; novated leases are not covered.",
  "cash_rate_change": {
    "effective": "2026-11-04",
    "direction": "rise",
    "change_pct_points": 0.25,
    "cash_rate_target": 4.85,
    "source": "https://www.rba.gov.au/statistics/tables/csv/a2-data.csv"
  },
  "before_answering": "https://deepalmanac.com/au/finance/car-loans/v1/questions.json lists what to ask the reader first (new, used or green car; fixed or variable; loan amount), and what is most often misread here: rates that depend on credit history, the comparison rate, stale records, broker-only rates, lenders open only to certain occupations and vehicle age limits (vehicle_age_max in years; max_vehicle_age_months and the lender's sentence, vehicle_age_quote, in the best/ files: ask the age of the car before quoting a rate that has one). Not every car lender is covered.",
  "answering": {
    "note": "Each entry is a question readers ask, the inputs to collect before it can be answered, and the files that answer it. ask_the_reader_first selects the file: vehicle, kind and loan are the three parts of each top/ and best/ path, and occupation says whether to read the default ranking or the one with occupation-limited lenders in. Read commentary before quoting a rate.",
    "questions": [
      {
        "question": "What is the best car loan rate?",
        "also_asked_as": [
          "lowest car loan rate",
          "cheapest car loan",
          "best new car loan",
          "best used car loan",
          "best green car loan",
          "best electric car loan rate"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "vehicle: new, used, green (the {vehicle} in the file path)",
            "why": "Banks price new and used cars separately, often by the car's age, and many have a cheaper green rate for electric, hybrid or low-emission cars. green ranks each bank's green-only rates together with its new-car rates, since an electric car buyer can take either. Ask the car's age for a used car and check vehicle_age_max and conditions.",
            "how_much_it_moves_the_answer": "any rate, $30,000: new best comparison 5.79%, median 7.87%, 47 banks; used best comparison 5.79%, median 8.01%, 43 banks; green best comparison 5.79%, median 7.37%, 49 banks."
          },
          {
            "input": "kind: any, fixed, variable (the {kind} in the file path)",
            "why": "Most car loan rates are fixed for the life of the loan; variable rates can move and usually allow extra repayments and early payout without a break cost. any ranks both together.",
            "how_much_it_moves_the_answer": "new car, $30,000: any best comparison 5.79%, median 7.87%, 47 banks; fixed best comparison 5.99%, median 7.90%, 32 banks; variable best comparison 5.79%, median 7.85%, 22 banks."
          },
          {
            "input": "loan: the amount borrowed in dollars, one of 15000, 30000, 60000 (the {loan} in the file path)",
            "why": "Products have minimum and maximum amounts and a few rates are tiered by amount. Fees weigh more on a small loan, which the comparison rate (usually calculated on $30,000) understates. For an amount between the slices read the nearest one and check loan_min <= amount <= loan_max on each entry (null is no limit stated).",
            "how_much_it_moves_the_answer": "new car, any rate: $15,000 best comparison 5.79%, median 7.90%, 46 banks; $30,000 best comparison 5.79%, median 7.87%, 47 banks; $60,000 best comparison 5.79%, median 7.85%, 46 banks."
          },
          {
            "input": "occupation: is the reader eligible for lenders open only to certain occupations? (yes means read entries_all in best/ or top_all in top/, keeping only the lenders whose condition they meet)",
            "why": "Some mutual banks take members only from one sector, such as education, health or emergency services, and their feeds say so. Their rates carry restriction occupation_membership and a condition quoting who may join; the default ranking leaves those rates out. It is decided per product, from that product's own eligibility text, so a bank whose feed words membership more openly on one product keeps that product in the default ranking.",
            "how_much_it_moves_the_answer": "8 banks ranked today (Australian Mutual Bank, BankVic, Fire Service Credit Union, Firefighters Mutual Bank, Health Professionals Bank, Teachers Mutual Bank, UniBank, Woolworths Team Bank) have occupation-limited rates. In the default slice (new, any, $30,000) 9 banks are left out (Australian Mutual Bank, BankVic, Fire Service Credit Union, Firefighters Mutual Bank, Health Professionals Bank, NAB, Teachers Mutual Bank, UniBank, Woolworths Team Bank); including them leaves SWS Bank at 5.79% comparison first."
          }
        ],
        "then_read": {
          "top_ten": "https://deepalmanac.com/au/finance/car-loans/v1/top/{vehicle}/{kind}/{loan}.json",
          "full_ranking": "https://deepalmanac.com/au/finance/car-loans/v1/best/{vehicle}/{kind}/{loan}.json",
          "default_slice": "https://deepalmanac.com/au/finance/car-loans/v1/top/new/any/30000.json",
          "one_bank": "https://deepalmanac.com/au/finance/car-loans/v1/brands/{brand_slug}.json"
        },
        "say_as_well": [
          "Quote the comparison rate, the rate and the conditions together; ranking is by comparison rate.",
          "Say when a rate is risk_based (a 'from' rate that depends on credit history) and give the range.",
          "Say when the rate is record_stale and needs checking on the bank's page.",
          "Not every car lender is covered: non-bank and dealer finance are not in the data."
        ]
      },
      {
        "question": "What are this bank's car loan rates?",
        "also_asked_as": [
          "NAB car loan rate",
          "CommBank green car loan rate"
        ],
        "has_no_single_answer": false,
        "ask_the_reader_first": [
          {
            "input": "vehicle: new, used, green (the {vehicle} in the file path)",
            "why": "Banks price new and used cars separately, often by the car's age, and many have a cheaper green rate for electric, hybrid or low-emission cars. green ranks each bank's green-only rates together with its new-car rates, since an electric car buyer can take either. Ask the car's age for a used car and check vehicle_age_max and conditions.",
            "how_much_it_moves_the_answer": "any rate, $30,000: new best comparison 5.79%, median 7.87%, 47 banks; used best comparison 5.79%, median 8.01%, 43 banks; green best comparison 5.79%, median 7.37%, 49 banks."
          },
          {
            "input": "kind: any, fixed, variable (the {kind} in the file path)",
            "why": "Most car loan rates are fixed for the life of the loan; variable rates can move and usually allow extra repayments and early payout without a break cost. any ranks both together.",
            "how_much_it_moves_the_answer": "new car, $30,000: any best comparison 5.79%, median 7.87%, 47 banks; fixed best comparison 5.99%, median 7.90%, 32 banks; variable best comparison 5.79%, median 7.85%, 22 banks."
          }
        ],
        "then_read": {
          "one_bank (field at_a_glance)": "https://deepalmanac.com/au/finance/car-loans/v1/brands/{brand_slug}.json"
        },
        "say_as_well": [
          "at_a_glance gives the bank's lowest ranked rate per vehicle and kind; every row, ranked or not, follows in rows."
        ]
      },
      {
        "question": "What will my repayments be?",
        "also_asked_as": [
          "car loan repayments on $30,000",
          "monthly repayment car loan"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "vehicle: new, used, green (the {vehicle} in the file path)",
            "why": "Banks price new and used cars separately, often by the car's age, and many have a cheaper green rate for electric, hybrid or low-emission cars. green ranks each bank's green-only rates together with its new-car rates, since an electric car buyer can take either. Ask the car's age for a used car and check vehicle_age_max and conditions.",
            "how_much_it_moves_the_answer": "any rate, $30,000: new best comparison 5.79%, median 7.87%, 47 banks; used best comparison 5.79%, median 8.01%, 43 banks; green best comparison 5.79%, median 7.37%, 49 banks."
          },
          {
            "input": "kind: any, fixed, variable (the {kind} in the file path)",
            "why": "Most car loan rates are fixed for the life of the loan; variable rates can move and usually allow extra repayments and early payout without a break cost. any ranks both together.",
            "how_much_it_moves_the_answer": "new car, $30,000: any best comparison 5.79%, median 7.87%, 47 banks; fixed best comparison 5.99%, median 7.90%, 32 banks; variable best comparison 5.79%, median 7.85%, 22 banks."
          },
          {
            "input": "loan: the amount borrowed in dollars, one of 15000, 30000, 60000 (the {loan} in the file path)",
            "why": "Products have minimum and maximum amounts and a few rates are tiered by amount. Fees weigh more on a small loan, which the comparison rate (usually calculated on $30,000) understates. For an amount between the slices read the nearest one and check loan_min <= amount <= loan_max on each entry (null is no limit stated).",
            "how_much_it_moves_the_answer": "new car, any rate: $15,000 best comparison 5.79%, median 7.90%, 46 banks; $30,000 best comparison 5.79%, median 7.87%, 47 banks; $60,000 best comparison 5.79%, median 7.85%, 46 banks."
          }
        ],
        "then_read": {
          "top_ten": "https://deepalmanac.com/au/finance/car-loans/v1/top/{vehicle}/{kind}/{loan}.json"
        },
        "say_as_well": [
          "est_monthly_repayment and est_total_interest are estimates on the slice's loan amount over 60 months, or over the loan's own longest term where it is shorter (repayment_term_months and repayment_basis say which), at the rate (not the comparison rate), excluding all fees; null when the bank's rate field is unreliable.",
          "Repayments at the reader's own rate and term need the lender's quote or a calculator."
        ]
      },
      {
        "question": "What is a comparison rate, and why is it higher than the rate?",
        "also_asked_as": [
          "car loan comparison rate explained",
          "true cost of a car loan"
        ],
        "has_no_single_answer": false,
        "ask_the_reader_first": [
          {
            "input": "loan: the amount borrowed in dollars, one of 15000, 30000, 60000 (the {loan} in the file path)",
            "why": "Products have minimum and maximum amounts and a few rates are tiered by amount. Fees weigh more on a small loan, which the comparison rate (usually calculated on $30,000) understates. For an amount between the slices read the nearest one and check loan_min <= amount <= loan_max on each entry (null is no limit stated).",
            "how_much_it_moves_the_answer": "new car, any rate: $15,000 best comparison 5.79%, median 7.90%, 46 banks; $30,000 best comparison 5.79%, median 7.87%, 47 banks; $60,000 best comparison 5.79%, median 7.85%, 46 banks."
          }
        ],
        "then_read": {
          "top_ten": "https://deepalmanac.com/au/finance/car-loans/v1/top/{vehicle}/{kind}/{loan}.json"
        },
        "say_as_well": [
          "The comparison rate is the bank's own figure, worked out by a formula set in law and including most fees, on one of the loan examples the law prescribes: the bank picks the one closest to its typical loan. For car loans that is usually $30,000 over 5 years, and comparison_basis says when the bank states the example it used. On a smaller loan or a shorter term the fees weigh more than it shows.",
          "Quote comparison_rate_warning when quoting a comparison rate."
        ]
      },
      {
        "question": "What is the average car loan rate?",
        "also_asked_as": [
          "typical car loan rate",
          "have car loan rates gone up"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "vehicle: new, used, green (the {vehicle} in the file path)",
            "why": "Banks price new and used cars separately, often by the car's age, and many have a cheaper green rate for electric, hybrid or low-emission cars. green ranks each bank's green-only rates together with its new-car rates, since an electric car buyer can take either. Ask the car's age for a used car and check vehicle_age_max and conditions.",
            "how_much_it_moves_the_answer": "any rate, $30,000: new best comparison 5.79%, median 7.87%, 47 banks; used best comparison 5.79%, median 8.01%, 43 banks; green best comparison 5.79%, median 7.37%, 49 banks."
          },
          {
            "input": "kind: any, fixed, variable (the {kind} in the file path)",
            "why": "Most car loan rates are fixed for the life of the loan; variable rates can move and usually allow extra repayments and early payout without a break cost. any ranks both together.",
            "how_much_it_moves_the_answer": "new car, $30,000: any best comparison 5.79%, median 7.87%, 47 banks; fixed best comparison 5.99%, median 7.90%, 32 banks; variable best comparison 5.79%, median 7.85%, 22 banks."
          },
          {
            "input": "loan: the amount borrowed in dollars, one of 15000, 30000, 60000 (the {loan} in the file path)",
            "why": "Products have minimum and maximum amounts and a few rates are tiered by amount. Fees weigh more on a small loan, which the comparison rate (usually calculated on $30,000) understates. For an amount between the slices read the nearest one and check loan_min <= amount <= loan_max on each entry (null is no limit stated).",
            "how_much_it_moves_the_answer": "new car, any rate: $15,000 best comparison 5.79%, median 7.90%, 46 banks; $30,000 best comparison 5.79%, median 7.87%, 47 banks; $60,000 best comparison 5.79%, median 7.85%, 46 banks."
          }
        ],
        "then_read": {
          "one_slice": "https://deepalmanac.com/au/finance/car-loans/v1/best/{vehicle}/{kind}/{loan}.json",
          "index": "https://deepalmanac.com/au/finance/car-loans/v1/index.json"
        },
        "say_as_well": [
          "Give the median of one slice's ranking, not an average of rates.json (today, default slice: best comparison 5.79%, median 7.87%, 47 banks).",
          "Only today's rates are kept."
        ]
      }
    ],
    "commentary": [
      {
        "topic": "Many rates are the lowest the bank offers, not the rate the reader will get",
        "what_you_will_see": "36 of 195 ranked rows carry risk_based: true; in the default slice (new, any, $30,000) 9 of 47 banks do. The widest range there is Alex.Bank's, 9.39% to 17.39%.",
        "what_it_actually_means": "These banks price by credit history: rate_pct is the bottom of the range, and rate_max_pct or comparison_rate_max_pct, when the bank publishes it, the top. Maximum and representative rates are kept on the bank's file but not ranked.",
        "say_this_as_well": "Say the rate is 'from' and give the range when there is one.",
        "do_not": "Do not quote a risk_based rate as what the reader will be offered.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/car-loans/v1/top/new/any/30000.json: risk_based, rate_max_pct and conditions"
      },
      {
        "topic": "The ranking is by comparison rate, usually calculated on $30,000 over 5 years",
        "what_you_will_see": "Entries ordered by comparison_rate_pct, not rate_pct. In the default slice comparison rates sit 0.00 to 1.65 points above the rate. Ordering by rate would put the same bank first there. Of 195 ranked rows, 24 say their comparison rate is on $30,000 over 5 years, 2 name another example (The Capricornian; see comparison_basis), and 169 do not say.",
        "what_it_actually_means": "The comparison rate is the bank's own figure, worked out by a formula set in law and including most fees, on one of the loan examples the law prescribes: the bank picks the one closest to its typical loan. For car loans that is usually $30,000 over 5 years, and comparison_basis says when the bank states the example it used. On a smaller loan or a shorter term the fees weigh more than it shows. Car loan fees are large next to the loan, so the comparison rate is the fairer single number; on a smaller loan or a shorter term fees weigh more than it shows.",
        "say_this_as_well": "Quote the comparison rate with the rate and give comparison_rate_warning when quoting it.",
        "do_not": "Do not re-sort by rate_pct and call the first entry cheapest.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/car-loans/v1/top/new/any/30000.json: comparison_rate_pct and rate_pct"
      },
      {
        "topic": "Some banks' rate field cannot be right, so their rate is null",
        "what_you_will_see": "12 rows, from Great Southern Bank, carry rate_unreliable: true and rate_pct null.",
        "what_it_actually_means": "The feed gives one rate on every credit band while the comparison rates differ, or a rate more than a point above its own comparison rate. rate_published_pct keeps what the feed says and conditions explain it; the entry is still ranked by its comparison rate, and no repayment estimate is given.",
        "say_this_as_well": "Quote the comparison rate and send the reader to the bank's page for the rate.",
        "do_not": "Do not quote rate_published_pct as the bank's rate.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/car-loans/v1/rates.json: rate_unreliable, rate_published_pct and conditions"
      },
      {
        "topic": "Some ranked rates come from records the bank has not updated recently",
        "what_you_will_see": "98 of 195 ranked rows, from 28 banks, carry record_stale: true, and 0 of 27 slice-topping rates do. The oldest such record was last updated 2023-04-17.",
        "what_it_actually_means": "The bank has not touched the product record for more than 60 days before the fetch, or not since the Reserve Bank's cash rate rise of 4 November 2026, so the rate may predate a change. Flagged, not dropped: a bank that has not repriced looks the same.",
        "say_this_as_well": "Tell the reader the rate needs confirming on the bank's page (product_url).",
        "do_not": "Do not quote a record_stale rate as current, and do not drop it silently either.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/car-loans/v1/top/new/any/30000.json: record_stale, bank_last_updated and the first condition"
      },
      {
        "topic": "Broker-only and introducer-only rates are left out of the main ranking",
        "what_you_will_see": "20 ranked rows are available only through a broker or introducer. Including them changes the top 10 in 9 of 27 slices.",
        "what_it_actually_means": "entries_all in each best/ slice, and top_all in each top/ file (null when it would equal top), is the ranking with them and occupation-limited lenders in. Each entry carries restrictions, so drop the occupation_membership entries and renumber to add broker-only rates alone.",
        "say_this_as_well": "If the reader would use a broker, quote both rankings and say which rate needs one.",
        "do_not": "Do not quote a broker-only rate as though the reader could apply for it at the bank.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/car-loans/v1/top/new/any/30000.json: top_all_note and top_all"
      },
      {
        "topic": "Lenders open only to certain occupations are left out of the main ranking",
        "what_you_will_see": "31 ranked rows, from 8 banks (Australian Mutual Bank, BankVic, Fire Service Credit Union, Firefighters Mutual Bank, Health Professionals Bank, Teachers Mutual Bank, UniBank, Woolworths Team Bank), carry restriction occupation_membership: the bank's feed says only people in certain occupations, and usually their families, may join. In the default slice (new, any, $30,000) 9 banks are left out (Australian Mutual Bank, BankVic, Fire Service Credit Union, Firefighters Mutual Bank, Health Professionals Bank, NAB, Teachers Mutual Bank, UniBank, Woolworths Team Bank); including them leaves SWS Bank at 5.79% comparison first. Including them changes the top 10 in 27 of 27 slices, and with broker-only rates as well in 27.",
        "what_it_actually_means": "Broker-only and occupation-limited rates are the two things the default ranking (entries, top) leaves out. Each such entry's conditions quote who may join, in the lender's words; the decision is made per product from the product's own eligibility text, so a bank with an open product still ranks with it.",
        "say_this_as_well": "Ask whether the reader works in the sector named; if they do, read entries_all and quote the condition with the rate.",
        "do_not": "Do not quote an occupation-limited rate to a reader who cannot join the lender.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/car-loans/v1/top/new/any/30000.json: top_all, restrictions and conditions"
      },
      {
        "topic": "Fees missing from the feed are not fees of $0",
        "what_you_will_see": "annual_fee and upfront_fees are null on ranked rows from 12 banks; several big banks list their fees with no amount (fees_without_amount on each product).",
        "what_it_actually_means": "Null means the feed states no amount. The comparison rate includes the bank's fees on its loan example, which is why ranking uses it.",
        "say_this_as_well": "Say when a lender's fees are not stated, and point to its page.",
        "do_not": "Do not add up null fees as zero, and do not use est_total_interest as the total cost: it leaves fees out.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/car-loans/v1/brands/{brand_slug}.json: products[].fees and fees_without_amount"
      },
      {
        "topic": "Some car loans are not ranked at all",
        "what_you_will_see": "rates.json holds 36 rows with ranked: false: 1 no comparison rate published, 2 checked against the bank's website and found out of date, 22 a maximum or representative rate, 6 restricted to a group or use, 5 the rate a fixed loan reverts to.",
        "what_it_actually_means": "Loans for staff, students, a named profession or business, means-tested rates, maximum and representative rates, revert rates and rates without a comparison rate are kept on each bank's file with unranked_reason. A missing bank in a ranking does not mean it has no car loan.",
        "say_this_as_well": "For a bank not ranked, read its rows in brands/<brand_slug>.json and say why.",
        "do_not": "Do not say a bank has no car loan because it is missing from a slice.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/car-loans/v1/rates.json: ranked and unranked_reason"
      }
    ],
    "commentary_note": "Figures here that a client will otherwise misread, each with what you will see, what it means, what to say, what not to do and the file and field that settles it.",
    "what_it_cannot_answer_yet": [
      {
        "question": "Does this include every car lender, such as AFS (Automotive Financial Services)?",
        "why": "No. It covers only lenders that publish car loans under the Consumer Data Right: banks, credit unions and a few non-banks, 61 lenders today. Non-bank car financiers and dealer or manufacturer finance are not on the CDR register and are not included; checked against the register snapshot on 2026-10-18, Automotive Financial Services (AFS), Pepper, Plenti, Money3, Latitude, Toyota Finance, Angle Finance, Firstmac, Wisr, Harmoney, NOW Finance, Stratton and Metro Finance are absent, while Macquarie and Liberty are on it. Business vehicle loans (chattel mortgages, ABN required) are a separate dataset: https://deepalmanac.com/au/finance/business-car-loans/v1/index.json.",
        "where_to_send_the_reader": "The lender's own website, or a broker, for non-bank and dealer finance."
      },
      {
        "question": "Will I be approved, and what rate will I get?",
        "why": "Approval and, for risk-based lenders, the rate depend on the bank's assessment of the borrower's credit history and income, which no feed publishes.",
        "where_to_send_the_reader": "The lender, for a quote; most give one without a hard credit check."
      },
      {
        "question": "Is dealer finance, a balloon payment or a novated lease cheaper?",
        "why": "None of these is published under the Consumer Data Right; only the banks' own car loans are here.",
        "where_to_send_the_reader": "The dealer's written quote, compared on its comparison rate; an employer's salary packaging provider for novated leases."
      },
      {
        "question": "What was the rate last month?",
        "why": "Only today's rates are kept, and bank_last_updated is when the record was republished, not when a rate changed.",
        "where_to_send_the_reader": "The bank's own rate announcements."
      }
    ],
    "context_this_dataset_does_not_hold": [
      "The borrower's credit history, income and expenses, which decide approval and, for many banks, the rate.",
      "Dealer, manufacturer and non-bank finance and novated leases. Business vehicle loans are in https://deepalmanac.com/au/finance/business-car-loans/v1/.",
      "Balloon or residual payments.",
      "Fees a bank lists without an amount (fees_without_amount), and early payout costs on fixed loans.",
      "The car's price, on-road costs, insurance and registration.",
      "Discounts negotiated below the advertised rate."
    ],
    "not_advice": "Reference data, not financial advice. Rates are as advertised in each bank's own product data."
  },
  "best_dir": {
    "url_template": "https://deepalmanac.com/au/finance/car-loans/v1/best/{vehicle}/{kind}/{loan}.json",
    "vehicles": [
      "new",
      "used",
      "green"
    ],
    "kinds": [
      "any",
      "fixed",
      "variable"
    ],
    "loans": [
      15000,
      30000,
      60000
    ]
  },
  "top_dir": {
    "url_template": "https://deepalmanac.com/au/finance/car-loans/v1/top/{vehicle}/{kind}/{loan}.json",
    "vehicles": [
      "new",
      "used",
      "green"
    ],
    "kinds": [
      "any",
      "fixed",
      "variable"
    ],
    "loans": [
      15000,
      30000,
      60000
    ],
    "description": "The compact answer per slice, a few kB each: the top 10 entries of the matching best/ slice cut to the fields needed to quote them, the count of banks ranked, whether broker-only and occupation-limited rates change the top 10, and a link to the full slice."
  },
  "brands_dir": {
    "path": "brands/",
    "url_template": "https://deepalmanac.com/au/finance/car-loans/v1/brands/{brand_slug}.json",
    "page_template": "https://deepalmanac.com/au/finance/banks/{brand_slug}/",
    "description": "One file per bank with a car loan: brand identity, at_a_glance (the bank's lowest ranked rate per vehicle and kind, in the first few kB), its car loan products and every rates.json row for that brand. Its page is the bank's page.",
    "count": 61,
    "brands": [
      {
        "brand_slug": "alex-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/alex-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/alex-bank/"
      },
      {
        "brand_slug": "australian-military-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/australian-military-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/australian-military-bank/"
      },
      {
        "brand_slug": "australian-mutual-bank-ltd",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/australian-mutual-bank-ltd.json",
        "page": "https://deepalmanac.com/au/finance/banks/australian-mutual-bank-ltd/"
      },
      {
        "brand_slug": "auswide-bank-ltd",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/auswide-bank-ltd.json",
        "page": "https://deepalmanac.com/au/finance/banks/auswide-bank-ltd/"
      },
      {
        "brand_slug": "bank-australia",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/bank-australia.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-australia/"
      },
      {
        "brand_slug": "bank-first",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/bank-first.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-first/"
      },
      {
        "brand_slug": "bank-of-melbourne",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/bank-of-melbourne.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-of-melbourne/"
      },
      {
        "brand_slug": "bank-of-us",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/bank-of-us.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-of-us/"
      },
      {
        "brand_slug": "banksa",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/banksa.json",
        "page": "https://deepalmanac.com/au/finance/banks/banksa/"
      },
      {
        "brand_slug": "bankvic",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/bankvic.json",
        "page": "https://deepalmanac.com/au/finance/banks/bankvic/"
      },
      {
        "brand_slug": "bankwaw",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/bankwaw.json",
        "page": "https://deepalmanac.com/au/finance/banks/bankwaw/"
      },
      {
        "brand_slug": "bcu-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/bcu-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/bcu-bank/"
      },
      {
        "brand_slug": "bendigo-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/bendigo-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/bendigo-bank/"
      },
      {
        "brand_slug": "beyond-bank-australia",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/beyond-bank-australia.json",
        "page": "https://deepalmanac.com/au/finance/banks/beyond-bank-australia/"
      },
      {
        "brand_slug": "border-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/border-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/border-bank/"
      },
      {
        "brand_slug": "broken-hill-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/broken-hill-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/broken-hill-bank/"
      },
      {
        "brand_slug": "central-west-cul",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/central-west-cul.json",
        "page": "https://deepalmanac.com/au/finance/banks/central-west-cul/"
      },
      {
        "brand_slug": "coastline-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/coastline-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/coastline-bank/"
      },
      {
        "brand_slug": "commbank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/commbank.json",
        "page": "https://deepalmanac.com/au/finance/banks/commbank/"
      },
      {
        "brand_slug": "commfcu",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/commfcu.json",
        "page": "https://deepalmanac.com/au/finance/banks/commfcu/"
      },
      {
        "brand_slug": "credit-union-sa",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/credit-union-sa.json",
        "page": "https://deepalmanac.com/au/finance/banks/credit-union-sa/"
      },
      {
        "brand_slug": "darling-downs-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/darling-downs-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/darling-downs-bank/"
      },
      {
        "brand_slug": "defence-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/defence-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/defence-bank/"
      },
      {
        "brand_slug": "fire-service-credit-union",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/fire-service-credit-union.json",
        "page": "https://deepalmanac.com/au/finance/banks/fire-service-credit-union/"
      },
      {
        "brand_slug": "firefighters-mutual-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/firefighters-mutual-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/firefighters-mutual-bank/"
      },
      {
        "brand_slug": "first-option-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/first-option-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/first-option-bank/"
      },
      {
        "brand_slug": "gateway-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/gateway-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/gateway-bank/"
      },
      {
        "brand_slug": "great-southern-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/great-southern-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/great-southern-bank/"
      },
      {
        "brand_slug": "greater-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/greater-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/greater-bank/"
      },
      {
        "brand_slug": "health-professionals-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/health-professionals-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/health-professionals-bank/"
      },
      {
        "brand_slug": "horizon-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/horizon-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/horizon-bank/"
      },
      {
        "brand_slug": "imb-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/imb-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/imb-bank/"
      },
      {
        "brand_slug": "laboratories-credit-union",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/laboratories-credit-union.json",
        "page": "https://deepalmanac.com/au/finance/banks/laboratories-credit-union/"
      },
      {
        "brand_slug": "liberty-financial",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/liberty-financial.json",
        "page": "https://deepalmanac.com/au/finance/banks/liberty-financial/"
      },
      {
        "brand_slug": "movebank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/movebank.json",
        "page": "https://deepalmanac.com/au/finance/banks/movebank/"
      },
      {
        "brand_slug": "national-australia-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/national-australia-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/national-australia-bank/"
      },
      {
        "brand_slug": "newcastle-permanent",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/newcastle-permanent.json",
        "page": "https://deepalmanac.com/au/finance/banks/newcastle-permanent/"
      },
      {
        "brand_slug": "northern-inland-credit-union-limited",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/northern-inland-credit-union-limited.json",
        "page": "https://deepalmanac.com/au/finance/banks/northern-inland-credit-union-limited/"
      },
      {
        "brand_slug": "orange-credit-union-ltd",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/orange-credit-union-ltd.json",
        "page": "https://deepalmanac.com/au/finance/banks/orange-credit-union-ltd/"
      },
      {
        "brand_slug": "p-n-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/p-n-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/p-n-bank/"
      },
      {
        "brand_slug": "people-first-and-heritage-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/people-first-and-heritage-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/people-first-and-heritage-bank/"
      },
      {
        "brand_slug": "police-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/police-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/police-bank/"
      },
      {
        "brand_slug": "police-credit-union-ltd",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/police-credit-union-ltd.json",
        "page": "https://deepalmanac.com/au/finance/banks/police-credit-union-ltd/"
      },
      {
        "brand_slug": "qbank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/qbank.json",
        "page": "https://deepalmanac.com/au/finance/banks/qbank/"
      },
      {
        "brand_slug": "qudos-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/qudos-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/qudos-bank/"
      },
      {
        "brand_slug": "queensland-country-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/queensland-country-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/queensland-country-bank/"
      },
      {
        "brand_slug": "racq-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/racq-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/racq-bank/"
      },
      {
        "brand_slug": "regional-australia-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/regional-australia-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/regional-australia-bank/"
      },
      {
        "brand_slug": "southern-cross-credit-union",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/southern-cross-credit-union.json",
        "page": "https://deepalmanac.com/au/finance/banks/southern-cross-credit-union/"
      },
      {
        "brand_slug": "st-george-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/st-george-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/st-george-bank/"
      },
      {
        "brand_slug": "summerland-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/summerland-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/summerland-bank/"
      },
      {
        "brand_slug": "swsbank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/swsbank.json",
        "page": "https://deepalmanac.com/au/finance/banks/swsbank/"
      },
      {
        "brand_slug": "teachers-mutual-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/teachers-mutual-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/teachers-mutual-bank/"
      },
      {
        "brand_slug": "the-capricornian",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/the-capricornian.json",
        "page": "https://deepalmanac.com/au/finance/banks/the-capricornian/"
      },
      {
        "brand_slug": "the-mac",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/the-mac.json",
        "page": "https://deepalmanac.com/au/finance/banks/the-mac/"
      },
      {
        "brand_slug": "maitland-mutual-limited",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/maitland-mutual-limited.json",
        "page": "https://deepalmanac.com/au/finance/banks/maitland-mutual-limited/"
      },
      {
        "brand_slug": "tmcu",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/tmcu.json",
        "page": "https://deepalmanac.com/au/finance/banks/tmcu/"
      },
      {
        "brand_slug": "unibank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/unibank.json",
        "page": "https://deepalmanac.com/au/finance/banks/unibank/"
      },
      {
        "brand_slug": "unity-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/unity-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/unity-bank/"
      },
      {
        "brand_slug": "westpac",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/westpac.json",
        "page": "https://deepalmanac.com/au/finance/banks/westpac/"
      },
      {
        "brand_slug": "woolworths-team-bank",
        "url": "https://deepalmanac.com/au/finance/car-loans/v1/brands/woolworths-team-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/woolworths-team-bank/"
      }
    ]
  },
  "source_dir": {
    "path": "source/",
    "url_template": "https://deepalmanac.com/au/finance/car-loans/v1/source/{brand_slug}/{safe_product_id}.json",
    "description": "Verbatim snapshot of each car loan product's CDR product detail response as fetched; safe_product_id is the productId with characters outside [A-Za-z0-9._-] replaced by _.",
    "count": 123
  }
}