{
  "snapshot_at": "2026-10-17T15:39:12Z",
  "brand": "Beyond Bank Australia",
  "brand_slug": "beyond-bank-australia",
  "product_id": "41",
  "cdr_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/41",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/41'",
  "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": {
    "productId": "41",
    "effectiveFrom": "2001-07-16T14:30:00.0000000Z",
    "lastUpdated": "2026-10-06T12:00:30.3824864Z",
    "productCategory": "PERS_LOANS",
    "name": "Low Rate Car Loan Special",
    "description": "Our Low Rate Car Loan Special Offer makes buying your new car easy and affordable offering a low fixed interest rate and an ability to pay out your loan early with no fees.",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/",
      "termsUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/",
      "eligibilityUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
    },
    "features": [
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "The monthly loan fee will be waived for eligible Total Home Loan Package borrowers for loans settled from 13 January 2025. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional Repayments: make unlimited additional repayments to your loan.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw payments made in advance at any time through Internet and Mobile Banking.  Minimum redraw amount is $500.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "150000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "1.05"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Available for customers aged 18 years and over.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Membership: You must be or become a Beyond Bank Australia member.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria applies.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Only available for a limited time to new loans with a minimum balance of $5,000 and where the loan does not exceed the purchase price of the car.  Other eligibility criteria, terms & conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "A monthly fee applies to this loan.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizen",
        "additionalInfo": "Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      }
    ],
    "fees": [
      {
        "name": "Dishonoured Cheque Deposit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.75"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable whenever a cheque or payment order from an account with another financial institution is dishonoured or declined.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "name": "Loan Establishment/Variation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "195.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is charged when you apply for a new or additional credit, or when you request a change to your Car or Personal Loan contract.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "name": "Redraw (staff assisted) Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable for each staff-assisted redraw.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "name": "Redraw (online) Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Online redraw via Internet or Mobile Banking is free.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "name": "Default Notice Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable whenever we send you a default notice because you have defaulted under the contract.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "name": "Direct Entry Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable whenever an automatic payment or other direct entry is dishonoured due to insufficient funds or for any other reason such as an incorrect BSB or account number",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "name": "Security Administration fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "70.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable when we prepare a Goods Security or other security in relation to a Car or Personal loan.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "name": "Additional Security Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable when we prepare a security such as a guarantee.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "name": "Default Fee on Car & Personal Loans - on the 8th day",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable on the 8th day you are in default.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      },
      {
        "name": "Default Fee on Car & Personal Loans - every 14th day thereafter",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable every 14th day thereafter for so long as you remain in default.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0704",
        "comparisonRate": "0.0805",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "P7Y",
        "additionalInfo": "Special Offer. Low Rate Car Loan Special, principal & interest & a minimum balance of $5,000. Flexible loan terms up to 7 years. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/"
      }
    ]
  }
}