{
  "snapshot_at": "2026-11-13T01:28:52Z",
  "brand": "P&N Bank",
  "brand_slug": "p-n-bank",
  "product_id": "65",
  "cdr_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/65",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/65'",
  "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": "65",
    "effectiveFrom": "2021-04-12T14:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:22.6992039Z",
    "productCategory": "PERS_LOANS",
    "name": "Fixed Secured Personal Loan",
    "description": "If you are after a fixed rate personal loan with a choice of loan term that is secured by a motor vehicle, P&N have you covered.",
    "brand": "PNB",
    "brandName": "P&N Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.pnbank.com.au/personal-loans/secured/",
      "termsUri": "https://www.pnbank.com.au/important-information/terms-and-conditions/personal-loans/",
      "feesAndPricingUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Keep a close eye on the details that matter. Use internet banking or mobile app to view your loan balance, track your interest rate, and maturity date.",
        "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Extra repayments are allowed on personal loans  without additional charges or penalties.",
        "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/ways-to-pay/"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Fee free redraw is available for this personal loan if you're ahead on your repayments.",
        "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "150000.00",
        "additionalInfo": "Maximum loan amount is $150,000",
        "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00",
        "additionalInfo": "Minimum loan amount is $5,000",
        "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Member must be a natural person rather than another legal entity.",
        "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be or become a P&N Bank member",
        "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Personal Lending is not available for non-residents.",
        "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
      }
    ],
    "fees": [
      {
        "name": "Statement Retrieval Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "Goods Security Administration Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per vehicle taken as security.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "Loan Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "199.00"
        },
        "currency": "AUD",
        "additionalInfo": "One off establishment fee.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "Loan Contract Variation Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "105.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when we process a variation of your contract or any security such as; substitution, or transfer of security, amendment to the term of a loan or a loan account.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "PPSR Search Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.70"
        },
        "currency": "AUD",
        "additionalInfo": "Payable at cost for obtaining a search on the Personal Property Securities Register.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "PPSR Registration Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.40"
        },
        "currency": "AUD",
        "additionalInfo": "Payable at cost for registering the loan security on the Personal Property Securities Register.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "Monthly Maintenance Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Monthly fee charged to the loan.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "Late Payment Notification Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "11",
        "additionalInfo": "Charged when a payment to a personal loan becomes overdue by 11 days and 30 days.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "Notice of Demand Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a payment to a personal loan becomes overdue by 46 days.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "Management Administration Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalValue": "90",
        "additionalInfo": "Charged monthly when a payment to a personal loan becomes overdue by more than 90 days.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "Collection Agent Administration Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "currency": "AUD",
        "additionalValue": "90",
        "additionalInfo": "Payable when a payment to a personal loan becomes overdue for more than 90 days and we choose to engage an external collection agent.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/personal-loans/"
      },
      {
        "name": "Default Interest Rate",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "A default rate may be charged on any overdue amount if you fail to pay the amount due under the loan contract by its due date. The default rate is 2% per annum above the Annual Percentage Rate applying to the loan account and accrues daily from the due date until payment is made.",
        "additionalInfoUri": "https://www.pnbank.com.au/important-information/terms-and-conditions/personal-loans/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0799",
        "comparisonRate": "0.0865",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0799",
        "comparisonRate": "0.0865",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0799",
        "comparisonRate": "0.0865",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0799",
        "comparisonRate": "0.0865",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0799",
        "comparisonRate": "0.0865",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0799",
        "comparisonRate": "0.0865",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          }
        ],
        "additionalValue": "P6Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0799",
        "comparisonRate": "0.0865",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/personal-loans/secured/"
          }
        ],
        "additionalValue": "P7Y"
      }
    ]
  }
}