{
  "vehicle": "new",
  "kind": "variable",
  "loan": 15000,
  "term_months": 60,
  "generated_at": "2026-11-13T01:35:04Z",
  "data_as_of": "2026-11-13T00:00:41Z",
  "note": "The 10 lowest car loan comparison rates for this vehicle, rate kind and loan amount, one per bank, cut to the fields needed to quote them, from each bank's own product data and terms. Quote the rate, the comparison rate and the conditions together; risk_based means the rate is the lowest the bank offers and depends on credit history; record_stale means the bank has not updated the record recently and its rate has not been confirmed on the bank's website since. generated_at is when this file's contents last changed.",
  "comparison_rate_note": "The comparison rate is the bank's own figure, worked out by a formula set in law and including most fees, on one of the loan examples the law prescribes: the bank picks the one closest to its typical loan. For car loans that is usually $30,000 over 5 years, and comparison_basis says when the bank states the example it used. On a smaller loan or a shorter term the fees weigh more than it shows.",
  "repayment_note": "est_monthly_repayment and est_total_interest are estimates on the slice's loan amount over 60 months, or over the loan's own longest term where it is shorter (repayment_term_months and repayment_basis say which), at the rate (not the comparison rate), excluding all fees; null when the bank's rate field is unreliable.",
  "coverage_note": "Covers only lenders that publish car loans under the Consumer Data Right: banks, credit unions and a few non-banks. Non-bank car financiers and dealer or manufacturer finance are not on the CDR register and are not included (checked 2026-10-18: Automotive Financial Services (AFS), Pepper, Plenti, Money3, Latitude, Toyota Finance, Angle Finance, Firstmac, Wisr, Harmoney, NOW Finance, Stratton and Metro Finance are absent). Business vehicle loans (chattel mortgages, ABN required) are a separate dataset, https://deepalmanac.com/au/finance/business-car-loans/; novated leases are not covered.",
  "before_answering": "https://deepalmanac.com/au/finance/car-loans/v1/questions.json lists what to ask the reader first (new, used or green car; fixed or variable; loan amount), and what is most often misread here: rates that depend on credit history, the comparison rate, stale records, broker-only rates, lenders open only to certain occupations and vehicle age limits (vehicle_age_max in years; max_vehicle_age_months and the lender's sentence, vehicle_age_quote, in the best/ files: ask the age of the car before quoting a rate that has one). Not every car lender is covered.",
  "full_ranking": "https://deepalmanac.com/au/finance/car-loans/v1/best/new/variable/15000.json",
  "banks_ranked": 22,
  "top": [
    {
      "rank": 1,
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_label": "5 Year Variable Interest Vehicle Loan",
      "comparison_rate_pct": 5.79,
      "comparison_basis": null,
      "rate_pct": 5.79,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-10-18, though the record dates from 2025-09-11",
        "vehicles up to 3 years old",
        "car, caravan or float",
        "no application, account or establishment fees"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": null,
      "loan_min": 1000.0,
      "loan_max": 200000.0,
      "vehicle_age_max": 3,
      "est_monthly_repayment": 288.53,
      "est_total_interest": 2312,
      "product_url": "https://www.swsbank.com.au/loans/vehicle-loans/all-vehicle-loans/",
      "terms_url": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/",
      "bank_last_updated": "2025-09-11T14:14:04.000+10:00"
    },
    {
      "rank": 2,
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_label": "Personal Loan-Secured New Car",
      "comparison_rate_pct": 6.88,
      "comparison_basis": {
        "amount": 30000.0,
        "term_months": 60
      },
      "rate_pct": 6.24,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "new vehicles only",
        "special offer, may end without notice",
        "the special rate is for new or demo cars only; cars up to 5 years old pay 7.74%",
        "borrow up to $150,000",
        "loan terms of up to 7 years"
      ],
      "restrictions": [
        "special_offer"
      ],
      "record_stale": false,
      "annual_fee": 60.0,
      "upfront_fees": 150.0,
      "loan_min": null,
      "loan_max": null,
      "vehicle_age_max": null,
      "est_monthly_repayment": 291.67,
      "est_total_interest": 2500,
      "product_url": "https://www.queenslandcountry.bank/banking/personal-loans/new-car-loan/",
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "bank_last_updated": "2026-11-13T00:00:23.8091263Z"
    },
    {
      "rank": 3,
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_label": "L37 Car Loan",
      "comparison_rate_pct": 6.88,
      "comparison_basis": null,
      "rate_pct": 6.49,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-10-18, where the special offer's terms are dated January 2025: vehicles up to 4 years old, minimum $10,000, $280 fee",
        "$280 establishment fee",
        "12 months to 7 years (special offer)",
        "no penalty for paying out early (special offer)",
        "special offer: vehicle up to 4 years old from year of manufacture, used as security"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": 985.0,
      "loan_min": 10000.0,
      "loan_max": 100000.0,
      "vehicle_age_max": 4,
      "est_monthly_repayment": 293.42,
      "est_total_interest": 2605,
      "product_url": "https://brokenhill.bank/car-loans",
      "terms_url": "https://brokenhill.bank/car-loans",
      "bank_last_updated": "2026-06-11T04:00:17.6722147Z"
    },
    {
      "rank": 4,
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_label": "New Car Loan",
      "comparison_rate_pct": 7.05,
      "comparison_basis": null,
      "rate_pct": 6.74,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "car up to 7 years old, or a new motorbike",
        "repayment periods of one to five years",
        "$20 goods security administration fee on secured loans"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": 200.0,
      "loan_min": 4000.0,
      "loan_max": 150000.0,
      "vehicle_age_max": 7,
      "est_monthly_repayment": 295.18,
      "est_total_interest": 2711,
      "product_url": "https://www.bcu.com.au/personal-loans/secured-personal-loan/",
      "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/personal-loans-terms--conditions/",
      "bank_last_updated": "2026-11-13T00:00:41.2804876Z"
    },
    {
      "rank": 5,
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_label": "New Car Loan",
      "comparison_rate_pct": 7.26,
      "comparison_basis": {
        "amount": 30000.0,
        "term_months": 60
      },
      "rate_pct": 6.89,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-10-30",
        "new vehicles only",
        "vehicles up to 5 years old",
        "up to 7 years",
        "new car, boat, caravan or motorcycle",
        "no penalty for early repayment"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": 265.0,
      "loan_min": 5000.0,
      "loan_max": 120000.0,
      "vehicle_age_max": 5,
      "est_monthly_repayment": 296.24,
      "est_total_interest": 2774,
      "product_url": "https://www.bankorange.com.au/borrow/personal-loans/car-loan/",
      "terms_url": "https://www.bankorange.com.au/about/corporate-information/disclosure-documents/",
      "bank_last_updated": "2026-09-28T11:16:36.000+10:00"
    },
    {
      "rank": 6,
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_label": "Personal Loan",
      "comparison_rate_pct": 7.27,
      "comparison_basis": null,
      "rate_pct": 6.99,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-10-30 (rates effective 1 June 2026): secured by the vehicle",
        "vehicles up to 2 years old",
        "secured vehicle loans cover car, motorcycle, boat, caravan and campervan"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": 200.0,
      "loan_min": 3000.0,
      "loan_max": 80000.0,
      "vehicle_age_max": 2,
      "est_monthly_repayment": 296.95,
      "est_total_interest": 2817,
      "product_url": "https://bankofus.com.au/personal-loan-interest-rates",
      "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf",
      "bank_last_updated": "2026-06-04T08:08:29.000+10:00"
    },
    {
      "rank": 7,
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_label": "Accelerator Car Loan",
      "comparison_rate_pct": 7.3,
      "comparison_basis": {
        "amount": 30000.0,
        "term_months": 60
      },
      "rate_pct": 6.99,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "vehicles up to 5 years old",
        "secured by a vehicle, motorcycle, boat or caravan",
        "maximum term 5 years"
      ],
      "restrictions": [],
      "record_stale": true,
      "annual_fee": 0.0,
      "upfront_fees": 195.0,
      "loan_min": 10000.0,
      "loan_max": null,
      "vehicle_age_max": 5,
      "est_monthly_repayment": 296.95,
      "est_total_interest": 2817,
      "product_url": "https://www.regionalaustraliabank.com.au/personal/products/personal-loans/accelerator-car-loan",
      "terms_url": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions",
      "bank_last_updated": "2026-10-22T23:07:26.5987Z"
    },
    {
      "rank": 8,
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_label": "New Car Loan",
      "comparison_rate_pct": 7.66,
      "comparison_basis": null,
      "rate_pct": 6.89,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "new vehicles only",
        "members only: membership is for Defence personnel of Australia and its allies, veterans and other Australians with an affinity to the Defence Force, and any Australian tax resident with an Australian address can join",
        "new or used cars and motorcycles up to and including five years old; an older vehicle needs a personal loan",
        "the loan must be secured by the vehicle; $6 security registration and $50 processing fees apply",
        "no loan application fee (the $150 personal loan application fee is not charged on car loans); $10 monthly loan service fee",
        "no fees for extra repayments or early payout"
      ],
      "restrictions": [],
      "record_stale": true,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "loan_min": 1000.0,
      "loan_max": 250000.0,
      "vehicle_age_max": null,
      "est_monthly_repayment": 296.24,
      "est_total_interest": 2774,
      "product_url": "https://www.defencebank.com.au/banking/personal-and-car-loans/",
      "terms_url": "https://www.defencebank.com.au/banking/personal-and-car-loans/car-loan/",
      "bank_last_updated": "2026-10-14T00:00:00.000+11:00"
    },
    {
      "rank": 9,
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_label": "Fastroad New Car Loan",
      "comparison_rate_pct": 7.7,
      "comparison_basis": null,
      "rate_pct": 7.39,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-11-13; the record republished 2026-11-12 changed only its fees page link",
        "new vehicles only",
        "vehicles up to 5 years old",
        "new car loan for vehicles 0 to 5 years old",
        "also available for caravans and RVs",
        "maximum term 7 years",
        "$220 establishment fee"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": null,
      "loan_min": 5000.0,
      "loan_max": null,
      "vehicle_age_max": 5,
      "est_monthly_repayment": 299.79,
      "est_total_interest": 2987,
      "product_url": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/",
      "terms_url": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/",
      "bank_last_updated": "2026-11-12T09:06:09.000+11:00"
    },
    {
      "rank": 10,
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_label": "Classic Car Loan - New Vehicle",
      "comparison_rate_pct": 7.82,
      "comparison_basis": null,
      "rate_pct": 7.6,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "not updated by the bank since 2026-04-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "new vehicles only"
      ],
      "restrictions": [],
      "record_stale": true,
      "annual_fee": null,
      "upfront_fees": 150.0,
      "loan_min": 1.0,
      "loan_max": null,
      "vehicle_age_max": null,
      "est_monthly_repayment": 301.28,
      "est_total_interest": 3077,
      "product_url": "https://www.cwcu.com.au/lending/car-loans",
      "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "bank_last_updated": "2026-04-15T09:33:03.000+10:00"
    }
  ],
  "top_all_note": "Broker-only rates and lenders open only to certain occupations (restrictions broker_only and occupation_membership) are left out of top. Including them changes this top 10: top_all is the ranking with them in.",
  "top_all": [
    {
      "rank": 1,
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_label": "5 Year Variable Interest Vehicle Loan",
      "comparison_rate_pct": 5.79,
      "comparison_basis": null,
      "rate_pct": 5.79,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-10-18, though the record dates from 2025-09-11",
        "vehicles up to 3 years old",
        "car, caravan or float",
        "no application, account or establishment fees"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": null,
      "loan_min": 1000.0,
      "loan_max": 200000.0,
      "vehicle_age_max": 3,
      "est_monthly_repayment": 288.53,
      "est_total_interest": 2312,
      "product_url": "https://www.swsbank.com.au/loans/vehicle-loans/all-vehicle-loans/",
      "terms_url": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/",
      "bank_last_updated": "2025-09-11T14:14:04.000+10:00"
    },
    {
      "rank": 2,
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_label": "Personal Loan-Secured New Car",
      "comparison_rate_pct": 6.88,
      "comparison_basis": {
        "amount": 30000.0,
        "term_months": 60
      },
      "rate_pct": 6.24,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "new vehicles only",
        "special offer, may end without notice",
        "the special rate is for new or demo cars only; cars up to 5 years old pay 7.74%",
        "borrow up to $150,000",
        "loan terms of up to 7 years"
      ],
      "restrictions": [
        "special_offer"
      ],
      "record_stale": false,
      "annual_fee": 60.0,
      "upfront_fees": 150.0,
      "loan_min": null,
      "loan_max": null,
      "vehicle_age_max": null,
      "est_monthly_repayment": 291.67,
      "est_total_interest": 2500,
      "product_url": "https://www.queenslandcountry.bank/banking/personal-loans/new-car-loan/",
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "bank_last_updated": "2026-11-13T00:00:23.8091263Z"
    },
    {
      "rank": 3,
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_label": "L37 Car Loan",
      "comparison_rate_pct": 6.88,
      "comparison_basis": null,
      "rate_pct": 6.49,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-10-18, where the special offer's terms are dated January 2025: vehicles up to 4 years old, minimum $10,000, $280 fee",
        "$280 establishment fee",
        "12 months to 7 years (special offer)",
        "no penalty for paying out early (special offer)",
        "special offer: vehicle up to 4 years old from year of manufacture, used as security"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": 985.0,
      "loan_min": 10000.0,
      "loan_max": 100000.0,
      "vehicle_age_max": 4,
      "est_monthly_repayment": 293.42,
      "est_total_interest": 2605,
      "product_url": "https://brokenhill.bank/car-loans",
      "terms_url": "https://brokenhill.bank/car-loans",
      "bank_last_updated": "2026-06-11T04:00:17.6722147Z"
    },
    {
      "rank": 4,
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_label": "New Car Loan",
      "comparison_rate_pct": 6.93,
      "comparison_basis": null,
      "rate_pct": 6.49,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-10-18, though the record dates from 2025-11-26; members only",
        "new vehicles only",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "$299 establishment fee",
        "no penalty for early repayment",
        "$2,000 minimum; $100,000 maximum for a new vehicle",
        "up to 7 years for new cars",
        "demonstrators under 5,000 km count as new",
        "secured by a bill of sale over the vehicle"
      ],
      "restrictions": [
        "occupation_membership"
      ],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": null,
      "loan_min": 2000.0,
      "loan_max": null,
      "vehicle_age_max": null,
      "est_monthly_repayment": 293.42,
      "est_total_interest": 2605,
      "product_url": "https://woolworthsteambank.com.au/car-loans/",
      "terms_url": "https://woolworthsteambank.com.au",
      "bank_last_updated": "2025-11-26T09:09:35.000+11:00"
    },
    {
      "rank": 5,
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_label": "New Car Loan",
      "comparison_rate_pct": 7.05,
      "comparison_basis": null,
      "rate_pct": 6.74,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "car up to 7 years old, or a new motorbike",
        "repayment periods of one to five years",
        "$20 goods security administration fee on secured loans"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": 200.0,
      "loan_min": 4000.0,
      "loan_max": 150000.0,
      "vehicle_age_max": 7,
      "est_monthly_repayment": 295.18,
      "est_total_interest": 2711,
      "product_url": "https://www.bcu.com.au/personal-loans/secured-personal-loan/",
      "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/personal-loans-terms--conditions/",
      "bank_last_updated": "2026-11-13T00:00:41.2804876Z"
    },
    {
      "rank": 6,
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_label": "New Car Loan",
      "comparison_rate_pct": 7.26,
      "comparison_basis": {
        "amount": 30000.0,
        "term_months": 60
      },
      "rate_pct": 6.89,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-10-30",
        "new vehicles only",
        "vehicles up to 5 years old",
        "up to 7 years",
        "new car, boat, caravan or motorcycle",
        "no penalty for early repayment"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": 265.0,
      "loan_min": 5000.0,
      "loan_max": 120000.0,
      "vehicle_age_max": 5,
      "est_monthly_repayment": 296.24,
      "est_total_interest": 2774,
      "product_url": "https://www.bankorange.com.au/borrow/personal-loans/car-loan/",
      "terms_url": "https://www.bankorange.com.au/about/corporate-information/disclosure-documents/",
      "bank_last_updated": "2026-09-28T11:16:36.000+10:00"
    },
    {
      "rank": 7,
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_label": "Personal Loan",
      "comparison_rate_pct": 7.27,
      "comparison_basis": null,
      "rate_pct": 6.99,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-10-30 (rates effective 1 June 2026): secured by the vehicle",
        "vehicles up to 2 years old",
        "secured vehicle loans cover car, motorcycle, boat, caravan and campervan"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": 200.0,
      "loan_min": 3000.0,
      "loan_max": 80000.0,
      "vehicle_age_max": 2,
      "est_monthly_repayment": 296.95,
      "est_total_interest": 2817,
      "product_url": "https://bankofus.com.au/personal-loan-interest-rates",
      "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf",
      "bank_last_updated": "2026-06-04T08:08:29.000+10:00"
    },
    {
      "rank": 8,
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_label": "Accelerator Car Loan",
      "comparison_rate_pct": 7.3,
      "comparison_basis": {
        "amount": 30000.0,
        "term_months": 60
      },
      "rate_pct": 6.99,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "vehicles up to 5 years old",
        "secured by a vehicle, motorcycle, boat or caravan",
        "maximum term 5 years"
      ],
      "restrictions": [],
      "record_stale": true,
      "annual_fee": 0.0,
      "upfront_fees": 195.0,
      "loan_min": 10000.0,
      "loan_max": null,
      "vehicle_age_max": 5,
      "est_monthly_repayment": 296.95,
      "est_total_interest": 2817,
      "product_url": "https://www.regionalaustraliabank.com.au/personal/products/personal-loans/accelerator-car-loan",
      "terms_url": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions",
      "bank_last_updated": "2026-10-22T23:07:26.5987Z"
    },
    {
      "rank": 9,
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_label": "New Car Loan",
      "comparison_rate_pct": 7.66,
      "comparison_basis": null,
      "rate_pct": 6.89,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "new vehicles only",
        "members only: membership is for Defence personnel of Australia and its allies, veterans and other Australians with an affinity to the Defence Force, and any Australian tax resident with an Australian address can join",
        "new or used cars and motorcycles up to and including five years old; an older vehicle needs a personal loan",
        "the loan must be secured by the vehicle; $6 security registration and $50 processing fees apply",
        "no loan application fee (the $150 personal loan application fee is not charged on car loans); $10 monthly loan service fee",
        "no fees for extra repayments or early payout"
      ],
      "restrictions": [],
      "record_stale": true,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "loan_min": 1000.0,
      "loan_max": 250000.0,
      "vehicle_age_max": null,
      "est_monthly_repayment": 296.24,
      "est_total_interest": 2774,
      "product_url": "https://www.defencebank.com.au/banking/personal-and-car-loans/",
      "terms_url": "https://www.defencebank.com.au/banking/personal-and-car-loans/car-loan/",
      "bank_last_updated": "2026-10-14T00:00:00.000+11:00"
    },
    {
      "rank": 10,
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_label": "Fastroad New Car Loan",
      "comparison_rate_pct": 7.7,
      "comparison_basis": null,
      "rate_pct": 7.39,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "variable",
      "conditions": [
        "confirmed on the bank's website on 2026-11-13; the record republished 2026-11-12 changed only its fees page link",
        "new vehicles only",
        "vehicles up to 5 years old",
        "new car loan for vehicles 0 to 5 years old",
        "also available for caravans and RVs",
        "maximum term 7 years",
        "$220 establishment fee"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": null,
      "loan_min": 5000.0,
      "loan_max": null,
      "vehicle_age_max": 5,
      "est_monthly_repayment": 299.79,
      "est_total_interest": 2987,
      "product_url": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/",
      "terms_url": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/",
      "bank_last_updated": "2026-11-12T09:06:09.000+11:00"
    }
  ]
}