{
  "snapshot_at": "2026-10-17T15:39:31Z",
  "brand": "Northern Inland Credit Union Limited",
  "brand_slug": "northern-inland-credit-union-limited",
  "product_id": "NICUL75F_BNC",
  "cdr_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL75F_BNC",
  "x_v": 6,
  "how_to_fetch": "curl -H 'x-v: 6' 'https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL75F_BNC'",
  "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",
        "additionalInfo": "Free redraw on additional payments made. Minimum $200"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No restriction on amount of additional payments you make"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make weekly, fortnightly or monthly repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "1 to 7 year loan terms available"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Secure banking 24/7 from your computer or mobile with Online Banking",
        "additionalInfoUri": "https://nicu.com.au/help-support/online-banking"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.",
        "additionalInfoUri": "https://nicu.com.au/help-support/smartpay-app"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "150000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for personal borrowers only"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "For the purchase of cars, motorbikes, caravans, boats or trailers that are brand new and never been driven before, or demo model"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Loan is to be secured by purchased vehicle or a term deposit"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "The vehicle used as security must have full comprehensive insurance for the life of the loan"
      }
    ],
    "fees": [
      {
        "name": "ALTERNATE_SECURITY_CAR_LOAN",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "LATE_REPAYMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "LOAN_MONTHLY_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "STAFF_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "PREPAYMENT_FEE_-_SECURED_LOANS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "payable when you pay out the contract early. Waived if you refinance with us or paid out with savings.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0774",
        "comparisonRate": "0.083",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "P60M",
        "additionalInfo": "Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years. These rates are for unsecured loans only. 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."
      }
    ],
    "productId": "NICUL75F_BNC",
    "lastUpdated": "2026-05-11T17:11:38.000+10:00",
    "productCategory": "PERS_LOANS",
    "name": "Brand New Vehicle Loan",
    "description": "A special fixed rate personal loan, with no establishment fee, for cars, motorbikes, caravans, boats or trailers that are brand new never and been driven before.",
    "brand": "NORTHERN INLAND CREDIT UNION LTD.",
    "brandName": "NORTHERN INLAND CREDIT UNION LTD.",
    "applicationUri": "https://www.nicu.com.au/personal-car-loans/personal-loan-enquiry",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.nicu.com.au/personal-car-loans/car-loan",
      "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
    }
  }
}