{
  "snapshot_at": "2026-11-05T03:22:22Z",
  "brand": "Horizon Bank",
  "brand_slug": "horizon-bank",
  "product_id": "L60_L600001",
  "cdr_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L60_L600001",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L60_L600001'",
  "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": "REDRAW"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "1.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "150_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0824",
        "comparisonRate": "0.0846",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P60M",
        "additionalInfo": "The comparison rate is calculated on a loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "L60_L600001",
    "effectiveFrom": "2021-02-01T00:00:00.000+11:00",
    "lastUpdated": "2026-11-04T11:07:08.000+11:00",
    "name": "Fixed Personal Car Loan",
    "description": "Make life happen with our New and Used Car Loan. Take advantage of a great fixed rate, plus flexible loan features designed to get you on the road sooner",
    "brand": "HORIZON BANK",
    "brandName": "HORIZON BANK",
    "applicationUri": "https://forms.unpz.au/form?id=0e59f9ae8f4709bdb38e0606359b4f09:d46ce3a8-1726-4fd2-b451-23157ea36e6a",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://horizonbank.com.au/loans/car-loans/popular-car-loans/",
      "termsUri": "https://horizonbank.com.au/more/important-info/disclosure-documents/",
      "feesAndPricingUri": "https://horizonbank.com.au/more/important-info/fees-and-charges/"
    }
  }
}