{
  "snapshot_at": "2026-10-22T22:54:07Z",
  "brand": "Summerland Bank",
  "brand_slug": "summerland-bank",
  "product_id": "46",
  "cdr_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/46",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/46'",
  "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": "46",
    "effectiveFrom": "2009-05-19T14:30:00.0000000Z",
    "lastUpdated": "2026-10-22T02:00:41.2111231Z",
    "productCategory": "PERS_LOANS",
    "name": "Car Loan",
    "description": "Own the car, motorbike, caravan or motorhome you want sooner.",
    "brand": "Summerland",
    "applicationUri": "https://application.summerland.com.au/nPortal__SelfRegistration?product=a0uOm000005EqqeIAC&core=es5",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://summerland.com.au/my-banking/personal-loans/car-vehicle-caravan-personal-loan",
      "termsUri": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "feesAndPricingUri": "https://www.summerland.com.au/loans-fees-charges"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Open accounts, check balances, view transactions, transfer funds, schedule payments, BPAY, eStatements, SMS alerts, activate cards, change card PIN, mark card lost or stolen, loan redraw, loan status update, accept loan contracts and send secure messages.\r\n",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited extra repayments",
        "additionalInfoUri": "https://summerland.com.au/my-banking/personal-loans/car-vehicle-caravan-personal-loan"
      },
      {
        "featureType": "GUARANTOR"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Event based notifications.",
        "additionalInfoUri": "https://summerland.com.au/my-banking/personal-loans/car-vehicle-caravan-personal-loan"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Set up a pay ID to receive lightning fast payments.\r\n",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Save on paper, receive and view your statements online with eStatements.",
        "additionalInfoUri": "https://summerland.com.au/services/digital-and-payments/internet-banking/"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Access additional payments made to your loan. Minimum $500. \r\n",
        "additionalInfoUri": "https://summerland.com.au/my-banking/personal-loans/car-vehicle-caravan-personal-loan"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "17"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria apply."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "A Permanent Australian Resident including those working overseas."
      }
    ],
    "fees": [
      {
        "name": "Loan Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Redraw Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Contract Variation/Consent Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Loan Administration Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "QuickDebit Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Loan Administration Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Guarantee Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0749",
        "comparisonRate": "0.0815",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfo": "$5,000 & above",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      }
    ]
  }
}