{
  "snapshot_at": "2026-10-17T15:39:32Z",
  "brand": "ORANGE CREDIT UNION LTD",
  "brand_slug": "orange-credit-union-ltd",
  "product_id": "NEW_CAR_LOAN",
  "cdr_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/NEW_CAR_LOAN",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/NEW_CAR_LOAN'",
  "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": "NPP_ENABLED"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "$0 Redraw fee"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "$0 Monthly Fee"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Early repayments without penalty"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Loan Period up to 7 years"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "120000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be an Australian citizen or permanent resident"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria, terms and conditions apply"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Registrable vehicles less than 5 years of age only"
      }
    ],
    "fees": [
      {
        "name": "VEHICLE_LOAN_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "265.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes REVS check",
        "additionalInfoUri": "https://www.bankorange.com.au/quicklinks/rates-and-fees/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0689",
        "comparisonRate": "0.0726",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "Credit eligibility criteria, terms and conditions, fees & charges apply. Comparison rate is based on a secured loan of $30,000 over 5 years. 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."
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "NEW_CAR_LOAN",
    "lastUpdated": "2026-09-28T11:16:36.000+10:00",
    "name": "New Car Loan",
    "description": "NEW CAR LOAN",
    "brand": "ORANGE CREDIT UNION LTD",
    "brandName": "ORANGE CREDIT UNION LTD",
    "applicationUri": "https://www.bankorange.com.au/online-forms/home-loan-application/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankorange.com.au/borrow/personal-loans/new-car-loan/",
      "termsUri": "https://www.bankorange.com.au/about/corporate-information/disclosure-documents/",
      "eligibilityUri": "https://www.bankorange.com.au/about/corporate-information/disclosure-documents/",
      "feesAndPricingUri": "https://www.bankorange.com.au/quicklinks/rates-and-fees/"
    }
  }
}