{
  "snapshot_at": "2026-11-05T03:21:49Z",
  "brand": "Alex.Bank",
  "brand_slug": "alex-bank",
  "product_id": "8397effe-4703-470d-afaf-093502021c10",
  "cdr_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/8397effe-4703-470d-afaf-093502021c10",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.alex.com.au/cds-au/v1/banking/products/8397effe-4703-470d-afaf-093502021c10'",
  "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": {
    "additionalInformation": {
      "eligibilityUri": "https://www.alex.com.au/legal/secured-personal-loan-target-market-determination/",
      "feesAndPricingUri": "https://www.alex.bank/legal/credit-fees-guide/",
      "overviewUri": "https://www.alex.com.au/car-loan/"
    },
    "brand": "Alex Bank",
    "brandName": "Alex.Bank",
    "constraints": [
      {
        "additionalValue": "10000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalValue": "100000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalValue": "1.20",
        "constraintType": "MAX_LVR"
      }
    ],
    "description": "Alex gets you a secured personal loan with personalised interest rates based on your credit history and doesn't penalise you for making additional repayments or paying your loan out earlier.\n",
    "eligibility": [
      {
        "additionalValue": "Individuals must have the legal capacity to enter into the loan contract. Not available for joint borrowers or non-individual borrowers.",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalValue": "Individuals must be an Australian Citizen or Permanent Resident",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      }
    ],
    "features": [
      {
        "additionalInfo": "No monthly or annual account keeping fees",
        "additionalValue": "No ongoing fees",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "You can make extra repayments or payout the loan in full early without any penalty",
        "additionalValue": "No early repayment or payout fees",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Pay weekly, fortnightly or monthly via direct debit",
        "additionalValue": "Repayment frequency",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "495.00"
        },
        "name": "Establishment fee"
      },
      {
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Late Payment Fee"
      },
      {
        "additionalValue": "Flexibility to make extra repayments or payout loan in full without penalty",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Early Repayment Fee"
      }
    ],
    "instalments": {
      "maximumSplit": 1,
      "minimumSplit": 1
    },
    "isTailored": false,
    "lastUpdated": "2026-11-04T13:01:10Z",
    "lendingRates": [
      {
        "additionalInfo": "Alex Bank secured personal loans (car) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 9.39% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 17.39% p.a. (comparison rate* 10.10% p.a. to 18.15% p.a.). Where the loan term is higher than 5 years a higher rate applies.",
        "additionalValue": "P7Y",
        "applicationFrequency": "P7D",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.101",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0939",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Alex Bank secured personal loans (car) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 9.39% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 17.39% p.a. (comparison rate* 10.10% p.a. to 18.15% p.a.). Where the loan term is higher than 5 years a higher rate applies.",
        "additionalValue": "P7Y",
        "applicationFrequency": "P14D",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.101",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0939",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Alex Bank secured personal loans (car) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 9.39% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 17.39% p.a. (comparison rate* 10.10% p.a. to 18.15% p.a.). Where the loan term is higher than 5 years a higher rate applies.",
        "additionalValue": "P7Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.101",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0939",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      }
    ],
    "name": "Secured Fixed Rate Personal Loan",
    "productCategory": "PERS_LOANS",
    "productId": "8397effe-4703-470d-afaf-093502021c10"
  }
}