{
  "snapshot_at": "2026-10-26T23:27:24Z",
  "brand": "Defence Bank",
  "brand_slug": "defence-bank",
  "product_id": "374",
  "cdr_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/374",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://product.defencebank.com.au/cds-au/v1/banking/products/374'",
  "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": "374",
    "effectiveFrom": "2010-12-21T00:00:00.000+11:00",
    "effectiveTo": "2029-12-31T00:00:00.000+11:00",
    "lastUpdated": "2026-10-14T00:00:00.000+11:00",
    "productCategory": "PERS_LOANS",
    "name": "New Car Loan",
    "description": "Whether it’s your first car, a new car, motorcycle or a total change of the type of vehicle, there’s nothing quite like the feeling of being given the keys to your new set of wheels.",
    "brand": "Defence Bank",
    "brandName": "Defence Bank Limited",
    "applicationUri": "https://secure.defencebank.com.au/internetlending/public/start.aspx",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.defencebank.com.au/banking/personal-and-car-loans/",
      "termsUri": "https://www.defencebank.com.au/banking/personal-and-car-loans/car-loan/",
      "eligibilityUri": "https://www.defencebank.com.au/banking/personal-and-car-loans/car-loan/",
      "feesAndPricingUri": "https://www.defencebank.com.au/banking/personal-and-car-loans/car-loan/",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [],
    "bundles": [],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Quick approval process."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Term.",
        "additionalInfo": "Choice of 1-7 years."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Repayment frequency",
        "additionalInfo": "Repayments Weekly, fortnightly, monthly."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No exit fee."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Early repayments.",
        "additionalInfo": "No early repayment fee."
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalValue": "Additional repayments.",
        "additionalInfo": "Can make extra repayments."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Free redraw."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Quick and easy online application.",
        "additionalInfoUri": "https://secure.defencebank.com.au/internetlending/public/start.aspx"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Redraw facility available online"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "$1,000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "$250,000.00",
        "additionalInfo": "Secured by motor vehicle"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "$100,000.00",
        "additionalInfo": "unsecured"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Not available for non personal borrowers."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Australian residents only."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "18"
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS"
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Lending criteria.",
        "additionalInfo": "Individuals must have capacity."
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Purpose.",
        "additionalInfo": "New."
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Security",
        "additionalInfo": "Motor Vehicle/Motor Cycle."
      },
      {
        "eligibilityType": "OTHER"
      }
    ],
    "fees": [
      {
        "name": "Default notice (enforcement notice)",
        "feeType": "EVENT",
        "additionalInfo": "Payable each time we send you a reminder notice relating to a default on a loan",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/personal-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "discounts": []
      },
      {
        "name": "Arrears reminder notice fee (per letter)",
        "feeType": "EVENT",
        "additionalInfo": "Payable each time we send you a reminder notice relating to arrears on a loan",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/personal-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "discounts": []
      },
      {
        "name": "Loan Variation Fee",
        "feeType": "EVENT",
        "additionalInfo": "Payable when the loan conditions are varied at the request of the loan holder",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/personal-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "discounts": []
      },
      {
        "name": "Processing Fee (Security)",
        "feeType": "EVENT",
        "additionalInfo": "Payable on registration of loan security",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/personal-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "discounts": []
      },
      {
        "name": "Registration Fee (Security)",
        "feeType": "EVENT",
        "additionalInfo": "Payable on registration of loan security",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/personal-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "discounts": []
      },
      {
        "name": "Personal Loan Service Fee",
        "feeType": "PERIODIC",
        "additionalValue": "P1M",
        "additionalInfo": "This fee is charged on the last day of each month during the loan term.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/personal-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "discounts": []
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0766",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0689",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalInfo": "Choose a loan term from one to seven years",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/personal-and-car-loans/"
      }
    ]
  }
}