{
  "snapshot_at": "2026-11-13T01:28:45Z",
  "brand": "IMB Bank",
  "brand_slug": "imb-bank",
  "product_id": "PL-2-1",
  "cdr_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/PL-2-1",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/PL-2-1'",
  "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": "PL-2-1",
    "effectiveFrom": "2021-02-01T00:00:00+11:00",
    "lastUpdated": "2026-11-13T00:00:00+11:00",
    "productCategory": "PERS_LOANS",
    "name": "New Car Loan",
    "description": "For New and Used Cars up to 4 years old. With great rates and no penalty for early payout, the IMB New Car Loan could have you cruising in the car of your dreams sooner than you thought. No monthly fees, flexible terms of 1 - 7 years, borrow up to $125,000.",
    "brand": "IMB Bank",
    "applicationUri": "https://apply.online.imb.com.au/apply/applications/new/personalLoans/loanDetails/loanPurpose",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.imb.com.au/banking/personal-loans/new-car-loan",
      "termsUri": "https://www.imb.com.au/important-information",
      "feesAndPricingUri": "https://www.imb.com.au/help-centre/rates-and-fees"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking App.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/mobile-app"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "IMB Alerts",
        "additionalInfo": "IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/imb-alerts"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Direct Credit",
        "additionalInfo": "Direct Credit is available on this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Receive Electronic Funds Transfers",
        "additionalInfo": "Receive Electronic Funds Transfers (EFT) to this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Branch",
        "additionalInfo": "IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/branch"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Phone Banking Operator Assisted",
        "additionalInfo": "IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Scheduled Payments",
        "additionalInfo": "Receive only"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unrestricted additional repayments"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Telephone Banking",
        "additionalInfo": "IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "2000"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "125000"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalValue": "NULL"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Borrowers must be Australian Citizens or permanent residents."
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Assessment",
        "additionalInfo": "Lending Criteria apply"
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Age of Security",
        "additionalInfo": "New Car Loans must be secured with a vehicle that is new or up to 4 years old."
      }
    ],
    "fees": [
      {
        "name": "Loan Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/important-information"
      },
      {
        "name": "Personal Property Securities Register fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "24.78"
        },
        "currency": "AUD",
        "additionalInfo": "Payable to IMB for the initial PPSR enquiry and the registration of the encumbrance of the PPS files.",
        "additionalInfoUri": "https://www.imb.com.au/important-information"
      }
    ],
    "lendingRates": [
      {
        "applicationType": "PERIODIC",
        "lendingRateType": "FIXED",
        "rate": "0.0649",
        "comparisonRate": "0.0684",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P7Y",
        "additionalInfo": "This comparison rate is based on a loan amount of $30,000 and a term of 5 years.",
        "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
      }
    ]
  }
}