{
  "snapshot_at": "2026-11-05T03:22:44Z",
  "brand": "The Mac",
  "brand_slug": "the-mac",
  "product_id": "L38_NEWCARLOANFIXEDSPECIAL",
  "cdr_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L38_NEWCARLOANFIXEDSPECIAL",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L38_NEWCARLOANFIXEDSPECIAL'",
  "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": {
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "Minimum 1.00"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online Banking The Mac App"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "PERSONAL_LOAN_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "PPSR_REGISTRATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "PPSR_VARIATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "COLLECTION_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "At cost fee"
      },
      {
        "name": "DEFAULT_NOTICES",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "55.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0629",
        "comparisonRate": "0.0666",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P84M"
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "L38_NEWCARLOANFIXEDSPECIAL",
    "lastUpdated": "2026-11-02T09:20:03.000+11:00",
    "name": "NEW CAR LOAN FIXED",
    "description": "NEW CAR LOAN FIXED",
    "brand": "MACARTHUR CREDIT UNION LTD",
    "brandName": "MACARTHUR CREDIT UNION LTD",
    "applicationUri": "https://forms.unpz.au/form?id=f55b07eacc715dc0c69222d5acab5603:40da5165-abb0-48ec-8295-959438b34c58",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://themaccu.com.au/car-personal-loans/car-loan/new-car-loan/",
      "termsUri": "https://themaccu.com.au/about-us/corporate-information/the-fine-print/",
      "eligibilityUri": "https://themaccu.com.au/about-us/corporate-information/the-fine-print/",
      "feesAndPricingUri": "https://themaccu.com.au/support/rates-fees/"
    }
  }
}