{
  "snapshot_at": "2026-10-17T15:39:34Z",
  "brand": "Police Bank",
  "brand_slug": "police-bank",
  "product_id": "ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b",
  "cdr_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b'",
  "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": {
    "brand": "Police Bank",
    "description": "Whether you’re looking for a brand new or used car, or an environmentally friendly vehicle – our Car Loans fit the bill.",
    "isTailored": false,
    "lastUpdated": "2026-09-06T23:59:49.593Z",
    "name": "Driveaway Car Loan",
    "productCategory": "PERS_LOANS",
    "productId": "ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b",
    "additionalInformation": {
      "overviewUri": "https://www.policebank.com.au/loans/car-loans/",
      "termsUri": null,
      "eligibilityUri": "https://cdn.mediavalet.com/aunsw/policebank/TmJxZo5CSU2eo34NF07nOw/6vMMim6TXUOuJJiFlGn7xg/Original/PBL9_Car-Loan-TMD.pdf",
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.policebank.com.au/loans/car-loans/?utm_source=siss",
    "brandName": null,
    "brandGroup": null,
    "cardArt": null,
    "effectiveFrom": "2020-09-25T11:44:00Z",
    "effectiveTo": null,
    "bundles": null,
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.policebank.com.au/loans/personal-loans/",
        "additionalValue": "5000.00"
      }
    ],
    "depositRates": null,
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Be living in Australia as: an Australian citizen, permanent resident, or specified temporary Australian resident; New Zealand citizen; or be living and working overseas as an Australian citizen."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Be an existing member, or become a member of the Bank.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Unlimited free additional repayments",
        "additionalInfoUri": "https://www.policebank.com.au/loans/personal-loans/",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Reduced Fees Program. Your Police Bank Personal Loan may contribute to our Reduced Fees Program, helping to reduce (or eliminate) fees – save on ATM and EFTPOS transactions (as well as qualify for fee rebates), personal cheques and external electronic periodical payments.",
        "additionalInfoUri": "https://www.policebank.com.au/loans/personal-loans/",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No Monthly Account Keeping Fees",
        "additionalInfoUri": "https://www.policebank.com.au/loans/personal-loans/",
        "additionalValue": null
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Fee free Redraw. Only available on Variable",
        "additionalInfoUri": "https://www.policebank.com.au/loans/personal-loans/",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Confirmation Of Payee",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "UPFRONT",
        "name": "Personal Loan Establishment fee",
        "additionalInfo": "Payable when your loan is funded",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "98.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Additional Statement Fee",
        "additionalInfo": "$5 for Archive Retrieval and $1.50 per page. Payable when you request an additional statement.",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears Letter Fee",
        "additionalInfo": "Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract. ",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Overdrawn Account Fee",
        "additionalInfo": "Payable when you exceed your credit limit by $75 or more within a calendar month. Interest will also be charged on any amount overdrawn in excess of the approved credit limit at the then current annual percentage rate",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "PPSR",
        "additionalInfo": "At Cost. Certain loans will require us to use the services of PPSR. If we do so, the following may be payable:\n• PPSR Registration Fee\n• PPSR Financier Interest Enquiry\n• PPSR Variation of Interest",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Default Notice Fee",
        "additionalInfo": "Payable when we send you a default notice under a loan contract when an arrears remains unremedied after we have sent you an arrears letter.",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "21.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Late Payment Fee",
        "additionalInfo": "Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts.",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "additionalInfo": "Driveaway Car Loan Fixed Rate - Fixed Rate Terms: 1-7 Years - L9-C3",
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/",
        "additionalValue": "P7Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0713",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": null,
        "applicabilityConditions": null,
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}