{
  "snapshot_at": "2026-11-10T05:14:45Z",
  "brand": "CommFCU",
  "brand_slug": "commfcu",
  "product_id": "L32-CL-F",
  "cdr_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/L32-CL-F",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/L32-CL-F'",
  "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": {
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Mobile banking app"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw fees apply"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000.00",
        "additionalInfo": "Minimum loan amount only applies at time of application"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen and permanent residency only"
      }
    ],
    "fees": [
      {
        "name": "LATE_PAYMENT",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged to loan account",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "NEW_CAR_LOAN_AND_CAR_LOAN_MONTHLY_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "REDRAW_FEE_-_STAFF_ASSISTED",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged to loan account",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "COPY_OF_STATEMENT_(ALREADY_ISSUED)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per page. For statements issued prior to January 1997 the fee is $3 per page.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "EARLY_REPAYMENT_FEE_(ERF)",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Refer to loan contract",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "PERSONAL_LOAN_(SECURED)_APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "249.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on each occasion",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0724",
        "comparisonRate": "0.0804",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfo": "The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "L32-CL-F",
    "effectiveFrom": "2026-10-20T00:00:00.000+11:00",
    "lastUpdated": "2026-11-10T14:23:59.000+11:00",
    "name": "Car Loan - Fixed",
    "description": "A secured car loan with a competitive fixed rate - available for registrable vehicles including cars, motorbikes, caravans, boats and jet skis that are up to 5 years old.",
    "brand": "C",
    "brandName": "Community First Credit Union",
    "applicationUri": "https://www.communityfirst.com.au/applying-for-a-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.communityfirst.com.au/products/car-loan",
      "termsUri": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "eligibilityUri": "https://www.communityfirst.com.au/applying-for-a-loan",
      "feesAndPricingUri": "https://communityfirst.com.au/tools/rates-and-fees"
    }
  }
}