{
  "snapshot_at": "2026-11-13T01:29:06Z",
  "brand": "The Capricornian",
  "brand_slug": "the-capricornian",
  "product_id": "ae1b4c9b-f09c-413f-9309-5ca857f992f0",
  "cdr_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/ae1b4c9b-f09c-413f-9309-5ca857f992f0",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/ae1b4c9b-f09c-413f-9309-5ca857f992f0'",
  "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": "THE CAPRICORNIAN",
    "description": "Whether upgrading your vehicle, adventuring off-road in your four-wheel drive, or having fun on the water in your dream boat or jet ski, The Capricornian’s secured personal loan options could be your answer!",
    "isTailored": false,
    "lastUpdated": "2026-11-12T20:00:00.453591Z",
    "name": "Car & Motor Vehicle Loans",
    "productCategory": "PERS_LOANS",
    "productId": "ae1b4c9b-f09c-413f-9309-5ca857f992f0",
    "additionalInformation": {
      "overviewUri": "https://www.capricornian.com.au/loans/personal-loan/personal-loans/",
      "termsUri": "https://www.capricornian.com.au/documents/conditions-of-use/",
      "eligibilityUri": "https://www.capricornian.com.au/about-us/reports-policies-disclosures/target-market-determinations/",
      "feesAndPricingUri": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.capricornian.com.au/loans/personal-loan/personal-loans/",
    "brandName": "THE CAPRICORNIAN",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2025-03-06T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": " ",
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You will need to become a member of the Credit Union before The Capricornian can accept a loan application.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw of repaid principal above minimum required is available",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Arrears Fees - Default Notice Fee",
        "additionalInfo": "If you don’t make your payment after a period of time in arrears, you will be issued with a default notice.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment Fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears Fees - Reminder call fee",
        "additionalInfo": "Applies when you fail to make your contracted repayments by the repayment due date.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears Fees - 2nd and Subsequent Reminder Letter Fee",
        "additionalInfo": "Applies when you fail to make your contracted repayments by the repayment due date.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Variation Fee",
        "additionalInfo": "Variations to Personal Loans (including substitution of goods mortgage security)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0768",
        "additionalInfo": "Fully secured personal loan.\nComparison rate based on $25,000 loan over 5 years. 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.",
        "additionalInfoUri": "https://www.capricornian.com.au/loans/car-loans/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0803",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Fully secured personal loan",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "3000.00",
            "maximumValue": "200000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1019",
        "additionalInfo": "Partially secured personal loan.\nComparison rate based on $25,000 loan over 5 years. 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.",
        "additionalInfoUri": "https://www.capricornian.com.au/loans/car-loans/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.1055",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "UNCONSTRAINED",
        "tiers": [
          {
            "name": "Partially secured Personal Loan",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "3000.00",
            "maximumValue": "200000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}