{
  "snapshot_at": "2026-11-13T01:29:11Z",
  "brand": "TMCU",
  "brand_slug": "tmcu",
  "product_id": "L81_FASTROAD_NEW_CAR_LOAN",
  "cdr_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L81_FASTROAD_NEW_CAR_LOAN",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L81_FASTROAD_NEW_CAR_LOAN'",
  "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"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be Australian Citizen or Permanent Resident"
      }
    ],
    "fees": [
      {
        "name": "NEW_CAR_LOAN",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "220.00"
        },
        "currency": "AUD"
      },
      {
        "name": "ARREARS_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "ARREARS_FEE-ARREARS_FEE_LETTER_2",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "DEFAULT_NOTICE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "55.00"
        },
        "currency": "AUD"
      },
      {
        "name": "AGENT_SOLICITOR_COLLECTION_COSTS",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "1.0"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0739",
        "comparisonRate": "0.077",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "L81_FASTROAD_NEW_CAR_LOAN",
    "effectiveFrom": "2021-02-01T00:00:00.000+11:00",
    "lastUpdated": "2026-11-12T09:06:09.000+11:00",
    "name": "FASTROAD NEW CAR LOAN",
    "description": "FASTROAD NEW CAR LOAN",
    "brand": "TRANSPORT MUTUAL CREDIT UNION LTD",
    "brandName": "TRANSPORT MUTUAL CREDIT UNION LTD",
    "applicationUri": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/",
      "termsUri": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/",
      "eligibilityUri": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/",
      "feesAndPricingUri": "https://www.transportmutual.com.au/banking/rates-fees/fees-and-charges/"
    }
  }
}