{
  "snapshot_at": "2026-10-27T23:15:20Z",
  "brand": "People First and Heritage Bank",
  "brand_slug": "people-first-and-heritage-bank",
  "product_id": "acc16605-491c-4908-84a2-0f3baedbc397",
  "cdr_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/acc16605-491c-4908-84a2-0f3baedbc397",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/acc16605-491c-4908-84a2-0f3baedbc397'",
  "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": "acc16605-491c-4908-84a2-0f3baedbc397",
    "lastUpdated": "2026-06-04T00:02:49.658Z",
    "productCategory": "PERS_LOANS",
    "name": "Car Loan",
    "description": "Purchase or refinance of a new or used vehicle up to 10 years old through a Dealer or Private Sale",
    "brand": "HERITAGE",
    "brandName": "Heritage",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.heritage.com.au/loans/personal-loans/car-loan",
      "termsUri": "https://www.heritage.com.au/inbound/brochures/lending-terms-and-conditions",
      "feesAndPricingUri": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide"
    },
    "features": [
      {
        "featureType": "REDRAW",
        "additionalValue": "Access extra repayments with free Online redraw available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No penalty for paying out early or making extra repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Electronic or paper statements available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "SMS services"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Purchase or refinance a new or used vehicle, up to 10 years old"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Loan terms from 1 to 7 years"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible Repayment Options"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Fixed repayments to make budgeting easy"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Loan amounts from $20000"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repay in full at anytime"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Car, Caravan or Motorbike eligible security"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Heritage Credits",
        "additionalInfo": "Terms and conditions apply",
        "additionalInfoUri": "https://www.heritage.com.au/about/member-commitment/heritage-credits"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "20000.00"
      },
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "100000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Permanent Residents and Citizens"
      }
    ],
    "fees": [
      {
        "name": "Application fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        }
      },
      {
        "name": "Default fee - if payment remains outstanding after its due date",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        }
      },
      {
        "name": "Monthly Administration Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "PPSR Registration fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "0.00"
        },
        "additionalInfo": "Fee is charged per PPSR registration"
      },
      {
        "name": "PPSR VIN validation fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "0.00"
        },
        "additionalInfo": "Fee is charged per PPSR Vin validation"
      },
      {
        "name": "Heritage Cheque Fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "Heritage Cheque fee payable to Heritage if credit under this Credit Contract is provided by a cheque drawn by heritage on itself"
      },
      {
        "name": "Special Request Transaction Listing Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.50"
        },
        "additionalValue": "per page",
        "additionalInfo": "Whenever a listing of transactions between two given dates is issued on your account"
      },
      {
        "name": "Redraw Administration Fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "additionalInfo": "If you apply to redraw Payments in Advance other than a request through Online Redraw"
      },
      {
        "name": "Direct Debit Dishonour fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "If a direct debit authorised to be made from or to your account is dishonoured"
      },
      {
        "name": "Capital reduction recalculation fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.00"
        },
        "additionalInfo": "If you ask Heritage to capitalise payments in advance or payment or proposed payment under the credit contract"
      },
      {
        "name": "Document/Record search fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "additionalInfo": "Whenever Heritage provides a copy of a document relating to your loan at your request or at the request of a security provider"
      },
      {
        "name": "PPSR Search fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "0.00"
        },
        "additionalInfo": "When Heritage carries out a PPSR search on a motor vehicle subject to a security. Fee is charged per PPSR search."
      },
      {
        "name": "Enforcement fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "additionalInfo": "Payable if we make good on a default under a security by performing a financial obligation (such as payment of an insurance premium or rates)."
      },
      {
        "name": "Renegotiation fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "additionalInfo": "Payable each time you ask us to vary your credit contract or we offer a new credit contract to you."
      },
      {
        "name": "Collateral Security Preparation fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "additionalValue": "Payable when taking security over a new Collateral Security Property (any security other than the first new security), on application."
      },
      {
        "name": "Change of term fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.00"
        },
        "additionalInfo": "Payable if you to ask us to agree or offer to change the loan term."
      },
      {
        "name": "Telegraphic transfer fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "additionalInfo": "Payable if money lent to you is telegraphically transferred within Australia."
      },
      {
        "name": "Approval request fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "0.00"
        },
        "additionalValue": "$100 plus costs charged to Heritage",
        "additionalInfo": "Payable if you ask for our approval under the credit contract or a security in relation to a transaction or proposal."
      },
      {
        "name": "Bank cheque fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "0.00"
        },
        "additionalValue": "At cost",
        "additionalInfo": "Cost payable to any bank issuing a bank cheque for settlement on \n settlement of loan."
      },
      {
        "name": "Paper Based Statement Fee",
        "feeType": "OTHER",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "additionalInfo": "Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge.",
        "additionalInfoUri": "https://www.heritage.com.au/-/media/m/publications/brochures/sv030---fees-and-limits-guide.pdf?rev=bd133dd2466649bdbc48fd6676828ba5"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.0649",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P1Y",
        "additionalInfo": "Fixed term can range from 1 to 7 years. Interest rates are on a per annum basis. Rates and discounts are correct as stated and subject to change without notice.   Car loan comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments, for secured loans only. 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. Interest rates are on a per annum basis. Rates and discounts are correct as stated and subject to change without notice.",
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0684",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER"
      }
    ]
  }
}