{
  "snapshot_at": "2026-10-27T23:14:41Z",
  "brand": "Bank First",
  "brand_slug": "bank-first",
  "product_id": "aadcce4f-aab9-40ca-91ca-cd49ab3eaa63",
  "cdr_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/aadcce4f-aab9-40ca-91ca-cd49ab3eaa63",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/aadcce4f-aab9-40ca-91ca-cd49ab3eaa63'",
  "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": {
    "brand": "Bank First",
    "description": "New Car Loan Personal Lending 1-5 Years Fixed Unsecured",
    "isTailored": false,
    "lastUpdated": "2026-08-28T01:09:04.107079Z",
    "name": "New Car Loan Personal Lending 1-5 Years Fixed Unsecured",
    "productCategory": "PERS_LOANS",
    "productId": "aadcce4f-aab9-40ca-91ca-cd49ab3eaa63",
    "additionalInformation": {
      "overviewUri": "https://www.bankfirst.com.au/loans/car-loans/new-car-loans",
      "termsUri": "https://www.bankfirst.com.au/disclosure-documents",
      "eligibilityUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6",
      "feesAndPricingUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://apply.bankfirst.com.au/Integate/frmIntegate.aspx?company=VTMB&merchant=VTMB&operator=WEB&encp=DCVQRsiMd4t5HMKYD2ht0jlNCxa%2b09p7HVdilWCCsu4%3d5egBQlp30a4TpwxSkFA8jw%3d%3d&product=AU_PL",
    "brandName": "Bank First Production",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "10000.00"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individual applications must be permanent residents and joint accounts require at least one permanent resident as well as additional requirements for the non-residant applicants."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Available to Members only",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Minimum of $500 per redraw",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "UPFRONT",
        "name": "Stamp Duty On Goods Security Agreement",
        "additionalInfo": "Available upon application Government Charge (for interstate Goods Mortgage only). Fee at cost",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "LATE_PAYMENT",
        "name": "Arrears Fee",
        "additionalInfo": "Payable immediately if all or any part of a repayment is 7 days in arrears. A further Arrears Fee of $20 is payable at the expiry of 30 days after the account falls into arrears if all or any part of the repayment remains in arrears.",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": "7",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Loans With A Fixed Rate Term - Break Cost Fee",
        "additionalInfo": "If the loan is paid out or transferred to a variable rate loan during the fixed rate period you will incur a break cost fee. Fee is at cost",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Personal Loan Establishment Fee",
        "additionalInfo": "Applies to all Personal Loan types whether secured or unsecured, and is only payable if the loan is funded. This fee is waived for First Home Buyer Package and Premier/Rewards Package Home Loan customers.",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [
          {
            "description": "Fee Waived for Premier Package Home Loan",
            "discountType": "ELIGIBILITY_ONLY",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "additionalValue": null,
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Fee Waived for Premier Package Home Loan",
                "additionalInfoUri": null,
                "additionalValue": null
              }
            ],
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "195.00"
            },
            "rateBased": null
          }
        ],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "195.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P12M",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0706",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}