{
  "snapshot_at": "2026-11-13T01:28:47Z",
  "brand": "Liberty Financial",
  "brand_slug": "liberty-financial",
  "product_id": "830aa2c3-49a7-4472-b1a7-87a10e7605c7",
  "cdr_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/830aa2c3-49a7-4472-b1a7-87a10e7605c7",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/830aa2c3-49a7-4472-b1a7-87a10e7605c7'",
  "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": {
    "bundles": [],
    "features": [
      {
        "featureType": "OTHER",
        "additionalValue": "Flexible repayment frequency",
        "additionalInfo": "Repayments weekly, fortnightly, monthly",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Balloon repayments",
        "additionalInfo": "The maximum vehicle age at the end of the loan term is 8 years for any loan with a balloon repayment.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Discounts apply for electric vehicles ",
        "additionalInfo": "An interest rate discount of 0.25% p.a. applies for new and used plug-in electric vehicles. Hybrids excluded.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Older vehicles okay",
        "additionalInfo": "Interest rate loadings apply to older vehicles, resulting in higher interest rates. Call 13 11 33 or speak with your local Liberty Adviser for details.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Alternative income verification",
        "additionalInfo": "Alternative proof of income accepted",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Start-up or Established business",
        "additionalInfo": "Solutions for start-ups or established businesses",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Flexible payment options",
        "additionalInfo": "Flexible payment options",
        "additionalInfoUri": null
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00",
        "additionalInfo": "If not registered for GST, the maximum loan amount is $35,000. The maximum loan amount for a start-up business is $50,000.",
        "additionalInfoUri": null
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00",
        "additionalInfo": "Minimum loan amount of $5,000",
        "additionalInfoUri": null
      },
      {
        "constraintType": "OTHER",
        "additionalValue": "Maximum loan term 7 years",
        "additionalInfo": "Loan terms from 2 to 7 years",
        "additionalInfoUri": null
      },
      {
        "constraintType": "OTHER",
        "additionalValue": "Minimum loan term 2 years",
        "additionalInfo": "Loan terms from 2 to 7 years",
        "additionalInfoUri": null
      }
    ],
    "eligibility": [],
    "fees": [
      {
        "name": "Application fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Application fee varies. Other fees, charges and commissions may apply.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Ongoing fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Ongoing fee $10 per month",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Discharge fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "125.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Early termination fees such as break costs may apply",
        "additionalInfoUri": null,
        "discounts": null
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.097900",
        "comparisonRate": null,
        "calculationFrequency": null,
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": null,
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "tiers": null,
        "applicabilityConditions": null,
        "additionalValue": null,
        "additionalInfo": "Variable interest rate starting from 9.79% p.a.",
        "additionalInfoUri": null
      }
    ],
    "productId": "830aa2c3-49a7-4472-b1a7-87a10e7605c7",
    "effectiveFrom": "2026-11-10T13:00:00Z",
    "effectiveTo": "9999-12-30T13:00:00Z",
    "lastUpdated": "2026-11-10T13:00:00Z",
    "productCategory": "PERS_LOANS",
    "name": "Low doc car loan",
    "description": "Low doc car loans",
    "brand": "Liberty Financial",
    "brandName": "Liberty Financial",
    "brandGroup": "Liberty Financial Pty Ltd",
    "applicationUri": null,
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://liberty.com.au/car-loans/low-doc-car-loans",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "cardArt": null
  }
}