{
  "snapshot_at": "2026-10-28T23:35:52Z",
  "brand": "St.George Bank",
  "brand_slug": "st-george-bank",
  "product_id": "STGPLSecuredFixed",
  "cdr_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGPLSecuredFixed",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGPLSecuredFixed'",
  "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": "STGPLSecuredFixed",
    "lastUpdated": "2026-10-28T03:54:09Z",
    "productCategory": "PERS_LOANS",
    "name": "Secured Fixed Personal Loan",
    "description": "Our secured loan offering to provide you with lower interest rates with your car as a security for the loan",
    "brand": "St. George Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.stgeorge.com.au/personal/personal-loans/secured-loan",
      "termsUri": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/personal-loans/stg_personal_loan_terms.pdf",
      "eligibilityUri": "https://www.stgeorge.com.au/personal/personal-loans/secured-loan",
      "feesAndPricingUri": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/personal-loans/stg_personal_loan_fees_charges.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Various Loan Purposes - Our Secured Personal Loan can be used for a variety of other purposes by offering an eligible car as security for the loan."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible repayment options. Choose weekly or fortnightly to save on interest"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Borrow between $10K - $130K - Choose a loan amount to suit your needs."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Help to cover the extras - You may be able to borrow a little more to cover other expenses, such as insurance, registration and optional extras."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet banking access: Manage your loan and track your repayments online or through your mobile banking app."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "The product has EXTRA_REPAYMENTS option available."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes FRAUD_PROTECTION features."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "RELATIONSHIP_MANAGEMENT is available for eligible customers."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Internet and Phone banking: Includes the Security, Stopping or altering payments, Scheduled transactions and payments, Other transactions and payments, Faults and service difficulties"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000.00",
        "additionalInfo": "The minimum amount financed is $10000"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "130000.00",
        "additionalInfo": "The maximum amount financed is $130,000"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "1-7 years of flexible loan term"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You're aged 18 or over"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "You're an Australian or New Zealand citizen or have permanent residency in Australia and hold an acceptable visa",
        "additionalInfoUri": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/personal-loans/stg_acceptable_visas_upl.pdf"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Be a non-resident or migrant and hold an acceptable visa with a minimum 1 year before expiry",
        "additionalInfoUri": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/personal-loans/stg_acceptable_visas_upl.pdf"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Have a fixed, verifiable residential address in Australia."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Have a regular, verifiable Australian taxable income"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "To qualify for a lower personalised interest rate on a Secured Personal Loan, applicant must meet our credit criteria."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Your car's eligibility, see link",
        "additionalInfoUri": "https://www.stgeorge.com.au/personal/personal-loans/secured-loan"
      }
    ],
    "fees": [
      {
        "name": "Lending Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        }
      },
      {
        "name": "Monthly Loan Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Loan Discharge Fee - Within 12 Months",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        }
      },
      {
        "name": "Loan Discharge Fee - After 12 Months",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        }
      },
      {
        "name": "PPSR fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        }
      },
      {
        "name": "Missed Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalValue": "30",
        "additionalInfo": "$15 Missed Payment Fee is charged"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "name": "Processing Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "additionalInfo": "Payable each time you make any repayment on your loan over the counter in a branch or by cash or cheque"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649",
        "comparisonRate": "0.079",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "12 to 84 MONTH",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "84",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Not relevant to product"
          }
        ],
        "additionalValue": "P84M",
        "additionalInfo": "1-7 years of flexible loan term"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.1299",
        "comparisonRate": "0.1434",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "12 to 84 MONTH",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "84",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Not relevant to product"
          }
        ],
        "additionalValue": "P84M",
        "additionalInfo": "Maximum Interest rate charged for the product. 1-7 years of flexible loan term."
      }
    ]
  }
}