{
  "snapshot_at": "2026-10-17T15:39:44Z",
  "brand": "Unity Bank",
  "brand_slug": "unity-bank",
  "product_id": "L17_FIXNEWCAR_12",
  "cdr_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L17_FIXNEWCAR_12",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L17_FIXNEWCAR_12'",
  "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": "Free access to your cash with our redraw facility (minimum $100 redraw amount)"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Get faster payments between participating banks, anytime with Pay ID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "1 to 7 years"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible repayment options weekly, fortnightly or monthly"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You can make extra repayments or repay your loan in full at any time. Extra repayments may enable you to redraw funds, subject to conditions"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No PPSR (Personal Property Securities Register) fee is charged during the loan application"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Set repayments that won't change during the fixed term so you can lock in certainty"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "150000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older"
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Employed"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Permanent Resident",
        "additionalInfo": "You must be an Australian citizen or permanent resident to apply"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications for finance are subject to the Bank's normal credit approval"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "A secured car loan is for buying a new or used car that is less than 5 years old"
      }
    ],
    "fees": [
      {
        "name": "LOAN_ESTABLISHMENT_FEE_-_FIXED_RATE_CAR_LOAN_(NEW)",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged to set up a new car loan",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "LATE_PAYMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you don't make your minimum monthly payment, plus any overdue amount",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "DEFAULT_NOTICE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged if you default on your repayments and we issue a default notice",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "PAPER_STATEMENT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "A fee charged to cover the cost of producing and sending paper statements",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "FIXED_RATE_LOCK_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged to guarantee the fixed interest rate quoted to you at loan approval for up to 90 days from the date of approval. The amount is $500.00 or 0.15% of the total fixed rate loan amount whichever is the higher.",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0799",
        "comparisonRate": "0.0801",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P24M"
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "L17_FIXNEWCAR_12",
    "lastUpdated": "2026-07-01T15:05:43.000+10:00",
    "name": "Fixed Rate Car Loan P&I <5Y",
    "description": "Drive away your dream car without breaking the budget with our Fixed Rate Car Loan. Borrow up to $150,000 for a new or used car up to 5 years old, and lock in a fixed interest rate for up to 7 years.",
    "brand": "UBL",
    "brandName": "UNITY BANK",
    "applicationUri": "https://www.unity.bank/help/apply-online/apply-online/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.unity.bank/personal-loans/buy-a-car/find-and-finance-your-car/",
      "termsUri": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "eligibilityUri": "https://www.unity.bank/personal-loans/buy-a-car/find-and-finance-your-car/",
      "feesAndPricingUri": "https://www.unity.bank/help/rates-fees/"
    }
  }
}