{
  "snapshot_at": "2026-11-13T01:28:47Z",
  "brand": "Liberty Financial",
  "brand_slug": "liberty-financial",
  "product_id": "fb1985b5-29aa-428a-9b75-a90734364ff4",
  "cdr_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/fb1985b5-29aa-428a-9b75-a90734364ff4",
  "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/fb1985b5-29aa-428a-9b75-a90734364ff4'",
  "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": "Poor credit history considered",
        "additionalInfo": "Bad credit history accepted",
        "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": "New and used vehicles",
        "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": "Start-up business support",
        "additionalInfo": "Support for start-up businesses",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Bad credit support",
        "additionalInfo": "Support for borrowers with bad credit",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Variable income support",
        "additionalInfo": "Support for variable income borrowers",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Low-doc support",
        "additionalInfo": "Support for low documentation borrowers",
        "additionalInfoUri": null
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "50000.00",
        "additionalInfo": "Maximum loan amount for applicants under 23 years of age is $25,000.",
        "additionalInfoUri": null
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00",
        "additionalInfo": "Minimum loan amount of $5,000",
        "additionalInfoUri": null
      },
      {
        "constraintType": "OTHER",
        "additionalValue": "Maximum loan term 5 years",
        "additionalInfo": "Loan terms from 2 to 5 years",
        "additionalInfoUri": null
      },
      {
        "constraintType": "OTHER",
        "additionalValue": "Minimum loan term 2 years",
        "additionalInfo": "Loan terms from 2 to 5 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": "Equalisation (risk) fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.002000",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": "Starting from 2%",
        "additionalInfo": null,
        "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": "0.132400",
        "comparisonRate": "0.158200",
        "calculationFrequency": null,
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": null,
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "tiers": null,
        "applicabilityConditions": null,
        "additionalValue": null,
        "additionalInfo": "Comparison rates are based on a secured $30,000 car loan over a 5-year term, with no balloon payment for a new car. 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. Fees and charges are payable. The actual interest rate applicable will depend on our assessment criteria. Higher interest rates apply where the loan to value ratio is above 120% based on Glass’s retail value. Additional interest rate loadings also apply where used vehicles are provided as security for the loan.",
        "additionalInfoUri": null
      }
    ],
    "productId": "fb1985b5-29aa-428a-9b75-a90734364ff4",
    "effectiveFrom": "2026-11-10T13:00:00Z",
    "effectiveTo": "9999-12-30T13:00:00Z",
    "lastUpdated": "2026-11-10T13:00:00Z",
    "productCategory": "PERS_LOANS",
    "name": "Fresh start car loan",
    "description": "Fresh start 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/fresh-start-car-loans",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "cardArt": null
  }
}