{
  "snapshot_at": "2026-11-05T03:22:51Z",
  "brand": "Westpac",
  "brand_slug": "westpac",
  "product_id": "PLCar",
  "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/PLCar",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/PLCar'",
  "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": "PLCar",
    "lastUpdated": "2026-11-04T03:04:06Z",
    "productCategory": "PERS_LOANS",
    "name": "Car Loan",
    "description": "Looking for your next car? Let's get you moving. Apply online and you could be driving off in no time.",
    "brand": "Westpac",
    "brandName": "Westpac",
    "applicationUri": "https://banking.westpac.com.au/zoom/personalloan/pol/plapp/appcapture?appType=Secured#/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.westpac.com.au/personal-loans/car-loan",
      "termsUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/personal-loans/p-l-contract-general-conditions.pdf",
      "eligibilityUri": "https://banking.westpac.com.au/zoom/personalloan/pol/plapp/appcapture?appType=Secured#/",
      "feesAndPricingUri": "https://www.westpac.com.au/personal-loans/car-loan"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Budget friendly - You get a choice of 1-7 year loan terms to suit every budget. Your rate and repayments won't change for the full loan term."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Borrow for the car you want - Apply for between $10,000 and $130,000, and choose a repayment schedule that works for you - weekly, fortnightly or monthly."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Check your car loan rate before you apply - You could get a personalised rate in minutes with no impact on your credit score."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Estimate your Car Loan repayments - Use our Car Loan calculator to see what your repayments could be, so you can plan with confidence before you apply."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No balloon payment - Your loan is paid off in full at the end of the term, without any extra payments."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Cover more than just the car - You may be able to borrow more than the car's RedBook price to help cover registration, insurance and other on?road costs."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A preferential fixed rate is available for eligible electric and hybrid cars",
        "additionalInfoUri": "https://www.westpac.com.au/personal-loans/electric-car-loan/eligibility"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet and Phone banking: Includes the Security, Stopping or altering payments, Scheduled transactions and payments, Other transactions and payments, Faults and service difficulties"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "The product has EXTRA_REPAYMENTS option available. $0 extra repayment fee - Make extra repayments at no extra cost. If you pay out your loan early, a prepayment fee may apply."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes FRAUD_PROTECTION features."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "RELATIONSHIP_MANAGEMENT is available for eligible customers."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000.00",
        "additionalInfo": "The minimum amount financed is $10,000"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "130000.00",
        "additionalInfo": "The maximum amount financed is $130,000"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Repayment terms for Car Loans, Electric Car Loans, and Hybrid Car Loans range up to a minimum of 1 year."
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Repayment terms for Car Loans, Electric Car Loans, and Hybrid Car Loans range up to a maximum of 7 years."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "You're an Australian or New Zealand citizen or you have permanent residency in Australia and hold an acceptable visa",
        "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/personal-loans/acceptables_visas_upl.pdf"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "A non-resident or migrant and hold an acceptable visa. Must have at least 1 year before expiry."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Receive a regular, verifiable Australian taxable income"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Have a fixed, verifiable residential Australian address"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Hold a current Australian driver licence or learner's permit"
      }
    ],
    "fees": [
      {
        "name": "Loan Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Lending Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        }
      },
      {
        "name": "Prepayment Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "additionalInfo": "Applies if you choose a term greater than 2 years and pay it out in less than 2 years. This fee is waived if you pay out your personal loan by refinancing to another Westpac personal loan"
      },
      {
        "name": "Missed Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalValue": "30",
        "additionalInfo": "If applicable"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649",
        "comparisonRate": "0.079",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "12 to 84 MONTH",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "84",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P84M",
        "additionalInfo": "The rate displayed is the minimum rate for the New Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.1299",
        "comparisonRate": "0.1434",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "12 to 84 MONTH",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "84",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P84M",
        "additionalInfo": "The rate displayed is the maximum rate for the New Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0574",
        "comparisonRate": "0.0716",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "12 to 84 MONTH",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "84",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P84M",
        "additionalInfo": "The rate displayed is for the EV New Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0999",
        "comparisonRate": "0.1136",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "12 to 84 MONTH",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "84",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P84M",
        "additionalInfo": "The rate displayed is the maximum rate for the EV New Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649",
        "comparisonRate": "0.079",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "12 to 84 MONTH",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "84",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P84M",
        "additionalInfo": "The rate displayed is the minimum rate for the New Hybrid Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.1029",
        "comparisonRate": "0.1166",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "12 to 84 MONTH",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "84",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P84M",
        "additionalInfo": "The rate displayed is the maximum rate for the New Hybrid Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch."
      }
    ]
  }
}