{
  "snapshot_at": "2026-11-13T01:28:58Z",
  "brand": "Queensland Country Bank",
  "brand_slug": "queensland-country-bank",
  "product_id": "26",
  "cdr_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/26",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/26'",
  "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": "26",
    "effectiveFrom": "2017-12-12T13:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:23.8091263Z",
    "productCategory": "PERS_LOANS",
    "name": "Personal Loan-Secured New Car",
    "description": "Our Canstar award winning new car loan allows you to purchase any new, demonstration or used car up to 5 years old.  Our new car loan offers flexible loan terms and the ability to make additional repayments with no early repayment fees.",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/banking/personal-loans/new-car-loan/",
      "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "No penalties for extra repayments on variable rate loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No deposit required."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Loan Terms up to 7 years."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Conditional pre-approval available."
      },
      {
        "featureType": "REDRAW"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "New Car Loan Special Offer available for a limited time for the purchase of a new or demo vehicle."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Loans are available to members of the bank who are permanent residents of Australia and currently live in Australia."
      }
    ],
    "fees": [
      {
        "name": "Personal Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Ultimate Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Establishment Fee waived if an Ultimate Home Loan Package is held."
              }
            ]
          }
        ]
      },
      {
        "name": "Loan Maintenance Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "discounts": [
          {
            "description": "Ultimate Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Monthly Loan Maintenance Fee waived if an Ultimate Home Loan Package is held."
              }
            ]
          }
        ]
      },
      {
        "name": "In Branch Redraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Online Redraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Other Credit Fees",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Refer to our Fees and Charges brochure for information on other fees and charges which may apply.",
        "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
      },
      {
        "name": "Document Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Document fees may apply"
      },
      {
        "name": "Arrears Letter Fee - Second Arrears Letter",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Arrears Letter Fee - Default Notice prior to Enforcement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "70.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0774",
        "comparisonRate": "0.0838",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfo": "Available for the purchase of a car up to 5 years old. Comparison Rate calculated on a secured loan of $30,000 over a 5 year term based on monthly repayments."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0688",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfo": "New Car Loan Special available for a limited time only. Available for the purchase of a new or demo vehicle. Comparison Rate calculated on a secured loan of $30,000 over a 5 year term based on monthly repayments. For new lending only. Not available for restructuring of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into."
      }
    ]
  }
}