{
 "query": {
  "loan": 28000,
  "vehicle": "used",
  "rate": "any",
  "restricted_included": [],
  "limit": 10
 },
 "method": "exact_loan",
 "method_note": "Every ranked rate for used car loan whose loan limits include $28,000, one per bank (its lowest comparison rate; then the lowest rate), lowest comparison rate first. The comparison rate is the bank's own figure, on $30,000 over 5 years for a secured loan by law; monthly_repayment is ours, on this loan over 60 months (or the loan's own longest term where it is shorter: summary.repayment_basis says) at the rate, before fees. A risk_based rate depends on the borrower's credit: rate_max_pct is the highest the bank may charge. summary gathers the figures to quote; who_can_open and apply say who may borrow and whether through the bank directly.",
 "generated_at": "2026-11-13T01:35:04Z",
 "data_as_of": "2026-11-13T00:00:41Z",
 "banks_ranked": 43,
 "banks_not_ranked": {
  "restricted": 11
 },
 "not_ranked": [
  {
   "brand_label": "Australian Mutual Bank",
   "brand_slug": "australian-mutual-bank-ltd",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only rates for certain borrowers or channels (occupation); add include=occupation if they apply."
  },
  {
   "brand_label": "BankVic",
   "brand_slug": "bankvic",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only rates for certain borrowers or channels (occupation); add include=occupation if they apply."
  },
  {
   "brand_label": "Fire Service Credit Union",
   "brand_slug": "fire-service-credit-union",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only rates for certain borrowers or channels (occupation); add include=occupation if they apply."
  },
  {
   "brand_label": "Firefighters Mutual Bank",
   "brand_slug": "firefighters-mutual-bank",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only rates for certain borrowers or channels (occupation); add include=occupation if they apply."
  },
  {
   "brand_label": "Health Professionals Bank",
   "brand_slug": "health-professionals-bank",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only rates for certain borrowers or channels (occupation); add include=occupation if they apply."
  },
  {
   "brand_label": "NAB",
   "brand_slug": "national-australia-bank",
   "reason": "restricted",
   "kinds": [
    "existing_customers"
   ],
   "note": "Only rates for certain borrowers or channels (existing_customers); add include=existing_customers if they apply."
  },
  {
   "brand_label": "Qudos Bank",
   "brand_slug": "qudos-bank",
   "reason": "restricted",
   "kinds": [
    "existing_customers"
   ],
   "note": "Only rates for certain borrowers or channels (existing_customers); add include=existing_customers if they apply."
  },
  {
   "brand_label": "Southern Cross Credit Union",
   "brand_slug": "southern-cross-credit-union",
   "reason": "restricted",
   "kinds": [
    "broker"
   ],
   "note": "Only rates for certain borrowers or channels (broker); add include=broker if they apply."
  },
  {
   "brand_label": "Teachers Mutual Bank",
   "brand_slug": "teachers-mutual-bank",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only rates for certain borrowers or channels (occupation); add include=occupation if they apply."
  },
  {
   "brand_label": "UniBank",
   "brand_slug": "unibank",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only rates for certain borrowers or channels (occupation); add include=occupation if they apply."
  },
  {
   "brand_label": "Woolworths Team Bank",
   "brand_slug": "woolworths-team-bank",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only rates for certain borrowers or channels (occupation); add include=occupation if they apply."
  }
 ],
 "not_ranked_note": "Every bank with a rate for this vehicle and kind that is not in results, and why: below_minimum or above_maximum (the loan limits), between_tiers, or restricted (kinds: broker-only or group-limited rates, ranked with include=).",
 "caution": "A risk-based rate is the lowest the bank offers; the reader's rate depends on their credit. record_stale marks a bank that has not updated its feed since the last cash rate change; check its rates page.",
 "before_answering": "https://deepalmanac.com/au/finance/car-loans/v1/questions.json",
 "results": [
  {
   "rank": 1,
   "brand_label": "SWS Bank",
   "brand_slug": "swsbank",
   "summary": {
    "comparison_rate_pct": 5.79,
    "rate_pct": 5.79,
    "rate_kind": "variable",
    "monthly_repayment": 538.59,
    "total_interest": 4315,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "5 Year Variable Interest Vehicle Loan",
   "product_name": "5 Year Variable Interest Vehicle Loan",
   "car_loan_basis": "name",
   "rate_kind": "variable",
   "lending_rate_type": "VARIABLE",
   "fixed_months": null,
   "kind": "variable",
   "vehicles": [
    "new",
    "used",
    "green"
   ],
   "vehicle_age_min": null,
   "vehicle_age_max": 3,
   "max_vehicle_age_months": 36,
   "vehicle_age_quote": "Comparison rate Apply Online Learn more Features & fees Vehicles up to 36 months old",
   "security": null,
   "term_min_months": null,
   "term_max_months": 60,
   "rate": 0.0579,
   "rate_pct": 5.79,
   "rate_published_pct": 5.79,
   "rate_unreliable": false,
   "comparison_rate": 0.0579,
   "comparison_rate_pct": 5.79,
   "comparison_basis": null,
   "rate_max_pct": null,
   "comparison_rate_max_pct": null,
   "risk_based": false,
   "credit_band": null,
   "loan_min": 1000,
   "loan_max": 200000,
   "max_lvr": null,
   "redraw": true,
   "annual_fee": null,
   "upfront_fees": null,
   "restrictions": [],
   "est_monthly_repayment": 538.59,
   "est_total_interest": 4315,
   "repayment_term_months": 60,
   "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"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "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/",
   "source_snapshot": "https://deepalmanac.com/au/finance/car-loans/v1/source/swsbank/L17_Disc_NVL.json",
   "bank_last_updated": "2025-09-11T14:14:04.000+10:00"
  },
  {
   "rank": 2,
   "brand_label": "MoveBank",
   "brand_slug": "movebank",
   "summary": {
    "comparison_rate_pct": 6.36,
    "rate_pct": 6.09,
    "rate_kind": "fixed",
    "monthly_repayment": 542.49,
    "total_interest": 4549,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Move Car Loan",
   "product_name": "Move Car Loan",
   "car_loan_basis": "name",
   "rate_kind": "fixed",
   "lending_rate_type": "FIXED",
   "fixed_months": 84,
   "kind": "fixed",
   "vehicles": [
    "new",
    "used",
    "green"
   ],
   "vehicle_age_min": null,
   "vehicle_age_max": 20,
   "max_vehicle_age_months": 240,
   "vehicle_age_quote": "Maximum loan amount is $150,000 for vehicles aged 3 years or under, or $75,000 for vehicles aged over 3 up to 20 years.",
   "security": null,
   "term_min_months": 12,
   "term_max_months": 84,
   "rate": 0.0609,
   "rate_pct": 6.09,
   "rate_published_pct": 6.09,
   "rate_unreliable": false,
   "comparison_rate": 0.0636,
   "comparison_rate_pct": 6.36,
   "comparison_basis": null,
   "rate_max_pct": null,
   "comparison_rate_max_pct": null,
   "risk_based": false,
   "credit_band": null,
   "loan_min": 10000,
   "loan_max": 150000,
   "max_lvr": null,
   "redraw": true,
   "annual_fee": null,
   "upfront_fees": 195,
   "restrictions": [],
   "est_monthly_repayment": 542.49,
   "est_total_interest": 4549,
   "repayment_term_months": 60,
   "conditions": [
    "vehicles up to 20 years old"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "product_url": "https://move.bank/loans/car-loans/car-loan-fixed-rate",
   "terms_url": "https://move.bank/about-us/conditions-of-use",
   "source_snapshot": "https://deepalmanac.com/au/finance/car-loans/v1/source/movebank/c60b0aac-2a2d-4eaf-a240-7aae4acc7f0c.json",
   "bank_last_updated": "2026-11-12T14:27:44.470497Z"
  },
  {
   "rank": 3,
   "brand_label": "Great Southern Bank",
   "brand_slug": "great-southern-bank",
   "summary": {
    "comparison_rate_pct": 6.83,
    "rate_pct": null,
    "rate_kind": "fixed",
    "monthly_repayment": null,
    "total_interest": null,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": true,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": true
   },
   "product_label": "Secured Fixed Car Loan",
   "product_name": "Secured Fixed Car Loan",
   "car_loan_basis": "name",
   "rate_kind": "fixed",
   "lending_rate_type": "FIXED",
   "fixed_months": 84,
   "kind": "fixed",
   "vehicles": [
    "new",
    "used",
    "green"
   ],
   "vehicle_age_min": null,
   "vehicle_age_max": 7,
   "max_vehicle_age_months": 84,
   "vehicle_age_quote": "For buying or refinancing a new or used car or motorbike up to seven years old.",
   "security": "secured",
   "term_min_months": 12,
   "term_max_months": 84,
   "rate": null,
   "rate_pct": null,
   "rate_published_pct": 15,
   "rate_unreliable": true,
   "comparison_rate": 0.0683,
   "comparison_rate_pct": 6.83,
   "comparison_basis": null,
   "rate_max_pct": null,
   "comparison_rate_max_pct": 13.14,
   "risk_based": true,
   "credit_band": "Equifax Score 1000-1200",
   "loan_min": 5000,
   "loan_max": 100000,
   "max_lvr": null,
   "redraw": true,
   "annual_fee": null,
   "upfront_fees": 225,
   "restrictions": [],
   "est_monthly_repayment": null,
   "est_total_interest": null,
   "repayment_term_months": null,
   "conditions": [
    "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
    "The bank's feed gives 15.00% on every credit band with comparison rates from 6.83% to 13.14%, and a 8.31-point discount for this band (6.69% after it); the rate is not shown and the loan is ranked by its comparison rate",
    "Rate depends on your credit history; this is the rate for Equifax Score 1000-1200; comparison rate up to 13.14%",
    "new or used car or motorbike up to 7 years old",
    "cars and motorbikes",
    "$100 security administration fee",
    "permanent Australian residents aged 18 or over"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": true,
   "product_url": "https://www.greatsouthernbank.com.au/personal-loans/secured-fixed-car-loan",
   "terms_url": "https://www.greatsouthernbank.com.au/personal-loans/secured-fixed-car-loan",
   "source_snapshot": "https://deepalmanac.com/au/finance/car-loans/v1/source/great-southern-bank/3000-4605.json",
   "bank_last_updated": "2026-10-15T14:00:01.00000Z"
  },
  {
   "rank": 4,
   "brand_label": "IMB Bank",
   "brand_slug": "imb-bank",
   "summary": {
    "comparison_rate_pct": 6.84,
    "rate_pct": 6.49,
    "rate_kind": "fixed",
    "monthly_repayment": 547.72,
    "total_interest": 4863,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "New Car Loan",
   "product_name": "New Car Loan",
   "car_loan_basis": "name",
   "rate_kind": "fixed",
   "lending_rate_type": "FIXED",
   "fixed_months": 84,
   "kind": "fixed",
   "vehicles": [
    "new",
    "used",
    "green"
   ],
   "vehicle_age_min": null,
   "vehicle_age_max": 4,
   "max_vehicle_age_months": 48,
   "vehicle_age_quote": "For New and Used Cars up to 4 years old.",
   "security": "secured",
   "term_min_months": 12,
   "term_max_months": 84,
   "rate": 0.0649,
   "rate_pct": 6.49,
   "rate_published_pct": 6.49,
   "rate_unreliable": false,
   "comparison_rate": 0.0684,
   "comparison_rate_pct": 6.84,
   "comparison_basis": {
    "amount": 30000,
    "term_months": 60
   },
   "rate_max_pct": null,
   "comparison_rate_max_pct": null,
   "risk_based": false,
   "credit_band": null,
   "loan_min": 2000,
   "loan_max": 125000,
   "max_lvr": null,
   "redraw": false,
   "annual_fee": null,
   "upfront_fees": 250,
   "restrictions": [],
   "est_monthly_repayment": 547.72,
   "est_total_interest": 4863,
   "repayment_term_months": 60,
   "conditions": [
    "vehicles up to 4 years old",
    "$24.78 PPSR fee on personal loans",
    "$50 default fee each month in default",
    "no penalty for early payout",
    "electric, hybrid, plug-in hybrid, petrol and diesel vehicles"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "product_url": "https://www.imb.com.au/banking/personal-loans/new-car-loan",
   "terms_url": "https://www.imb.com.au/important-information",
   "source_snapshot": "https://deepalmanac.com/au/finance/car-loans/v1/source/imb-bank/PL-2-1.json",
   "bank_last_updated": "2026-11-13T00:00:00+11:00"
  },
  {
   "rank": 5,
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "summary": {
    "comparison_rate_pct": 6.84,
    "rate_pct": 6.49,
    "rate_kind": "fixed",
    "monthly_repayment": 547.72,
    "total_interest": 4863,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Secured Personal Loan & Car Loan",
   "product_name": "Secured Personal Loan & Car Loan",
   "car_loan_basis": "name",
   "rate_kind": "fixed",
   "lending_rate_type": "FIXED",
   "fixed_months": 84,
   "kind": "fixed",
   "vehicles": [
    "new",
    "used",
    "green"
   ],
   "vehicle_age_min": null,
   "vehicle_age_max": null,
   "max_vehicle_age_months": null,
   "vehicle_age_quote": null,
   "security": "secured",
   "term_min_months": 12,
   "term_max_months": 84,
   "rate": 0.0649,
   "rate_pct": 6.49,
   "rate_published_pct": 6.49,
   "rate_unreliable": false,
   "comparison_rate": 0.0684,
   "comparison_rate_pct": 6.84,
   "comparison_basis": null,
   "rate_max_pct": null,
   "comparison_rate_max_pct": null,
   "risk_based": false,
   "credit_band": null,
   "loan_min": 5000,
   "loan_max": null,
   "max_lvr": null,
   "redraw": false,
   "annual_fee": null,
   "upfront_fees": 250,
   "restrictions": [],
   "est_monthly_repayment": 547.72,
   "est_total_interest": 4863,
   "repayment_term_months": 60,
   "conditions": [
    "confirmed on the bank's website on 2026-11-05, after its changes following the 4 November rise"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "product_url": "https://www.newcastlepermanent.com.au/personal/personal-and-car-loans",
   "terms_url": "https://www.newcastlepermanent.com.au/siteassets/documents/target-market-determination/personal-lending/target-market-determination-personal-loan.pdf",
   "source_snapshot": "https://deepalmanac.com/au/finance/car-loans/v1/source/newcastle-permanent/PL_securedfixed.json",
   "bank_last_updated": "2026-08-25T00:00:00+10:00"
  },
  {
   "rank": 6,
   "brand_label": "People First Bank / Heritage Bank",
   "brand_slug": "people-first-and-heritage-bank",
   "summary": {
    "comparison_rate_pct": 6.84,
    "rate_pct": 6.49,
    "rate_kind": "fixed",
    "monthly_repayment": 547.72,
    "total_interest": 4863,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": true,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Car Loan",
   "product_name": "Car Loan",
   "car_loan_basis": "name",
   "rate_kind": "fixed",
   "lending_rate_type": "FIXED",
   "fixed_months": 12,
   "kind": "fixed",
   "vehicles": [
    "new",
    "used",
    "green"
   ],
   "vehicle_age_min": null,
   "vehicle_age_max": 10,
   "max_vehicle_age_months": 120,
   "vehicle_age_quote": "Purchase or refinance of a new or used vehicle up to 10 years old through a Dealer or Private Sale",
   "security": "secured",
   "term_min_months": 12,
   "term_max_months": 84,
   "rate": 0.0649,
   "rate_pct": 6.49,
   "rate_published_pct": 6.49,
   "rate_unreliable": false,
   "comparison_rate": 0.0684,
   "comparison_rate_pct": 6.84,
   "comparison_basis": {
    "amount": 30000,
    "term_months": 60
   },
   "rate_max_pct": null,
   "comparison_rate_max_pct": null,
   "risk_based": true,
   "credit_band": null,
   "loan_min": 20000,
   "loan_max": 100000,
   "max_lvr": null,
   "redraw": true,
   "annual_fee": 0,
   "upfront_fees": 250,
   "restrictions": [],
   "est_monthly_repayment": 547.72,
   "est_total_interest": 4863,
   "repayment_term_months": 60,
   "conditions": [
    "confirmed on the bank's website on 2026-10-18",
    "vehicles up to 10 years old",
    "Rate depends on your credit history",
    "also finances caravans and motorbikes"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "product_url": "https://www.heritage.com.au/loans/personal-loans/car-loan",
   "terms_url": "https://www.heritage.com.au/inbound/brochures/lending-terms-and-conditions",
   "source_snapshot": "https://deepalmanac.com/au/finance/car-loans/v1/source/people-first-and-heritage-bank/acc16605-491c-4908-84a2-0f3baedbc397.json",
   "bank_last_updated": "2026-06-04T00:02:49.658Z"
  },
  {
   "rank": 7,
   "brand_label": "Broken Hill Bank",
   "brand_slug": "broken-hill-bank",
   "summary": {
    "comparison_rate_pct": 6.88,
    "rate_pct": 6.49,
    "rate_kind": "variable",
    "monthly_repayment": 547.72,
    "total_interest": 4863,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "L37 Car Loan",
   "product_name": "L37 Car Loan",
   "car_loan_basis": "name",
   "rate_kind": "variable",
   "lending_rate_type": "DISCOUNT",
   "fixed_months": null,
   "kind": "variable",
   "vehicles": [
    "new",
    "used",
    "green"
   ],
   "vehicle_age_min": null,
   "vehicle_age_max": 4,
   "max_vehicle_age_months": 48,
   "vehicle_age_quote": "a car, caravan or motorcycle up to 4 years old from year of manufacture (currently fro",
   "security": null,
   "term_min_months": null,
   "term_max_months": null,
   "rate": 0.0649,
   "rate_pct": 6.49,
   "rate_published_pct": 6.49,
   "rate_unreliable": false,
   "comparison_rate": 0.0688,
   "comparison_rate_pct": 6.88,
   "comparison_basis": null,
   "rate_max_pct": null,
   "comparison_rate_max_pct": null,
   "risk_based": false,
   "credit_band": null,
   "loan_min": 10000,
   "loan_max": 100000,
   "max_lvr": 100,
   "redraw": true,
   "annual_fee": null,
   "upfront_fees": 985,
   "restrictions": [],
   "est_monthly_repayment": 547.72,
   "est_total_interest": 4863,
   "repayment_term_months": 60,
   "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"
   ],
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    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "product_url": "https://brokenhill.bank/car-loans",
   "terms_url": "https://brokenhill.bank/car-loans",
   "source_snapshot": "https://deepalmanac.com/au/finance/car-loans/v1/source/broken-hill-bank/38.json",
   "bank_last_updated": "2026-06-11T04:00:17.6722147Z"
  },
  {
   "rank": 8,
   "brand_label": "BCU Bank",
   "brand_slug": "bcu-bank",
   "summary": {
    "comparison_rate_pct": 7.05,
    "rate_pct": 6.74,
    "rate_kind": "variable",
    "monthly_repayment": 551.01,
    "total_interest": 5060,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
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    "apply_directly": true,
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   },
   "product_label": "New Car Loan",
   "product_name": "New Car Loan",
   "car_loan_basis": "name",
   "rate_kind": "variable",
   "lending_rate_type": "VARIABLE",
   "fixed_months": null,
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   "vehicles": [
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    "used",
    "green"
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   "vehicle_age_min": null,
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   "max_vehicle_age_months": 84,
   "vehicle_age_quote": "Secure your loan with a car up to seven years old, or a new motorbike.",
   "security": null,
   "term_min_months": null,
   "term_max_months": null,
   "rate": 0.0674,
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   "comparison_rate": 0.0705,
   "comparison_rate_pct": 7.05,
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   "comparison_rate_max_pct": null,
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   "loan_min": 4000,
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   "est_monthly_repayment": 551.01,
   "est_total_interest": 5060,
   "repayment_term_months": 60,
   "conditions": [
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    "repayment periods of one to five years",
    "$20 goods security administration fee on secured loans"
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   "who_can_open": {
    "restricted": false,
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    "open_note": null
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   "apply": {
    "direct": true,
    "barriers": []
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   "record_stale": false,
   "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/",
   "source_snapshot": "https://deepalmanac.com/au/finance/car-loans/v1/source/bcu-bank/189.json",
   "bank_last_updated": "2026-11-13T00:00:41.2804876Z"
  },
  {
   "rank": 9,
   "brand_label": "Border Bank",
   "brand_slug": "border-bank",
   "summary": {
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    "rate_pct": 6.99,
    "rate_kind": "fixed",
    "monthly_repayment": 554.3,
    "total_interest": 5258,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
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   },
   "product_label": "Driveaway Car Loan",
   "product_name": "Driveaway Car Loan",
   "car_loan_basis": "name",
   "rate_kind": "fixed",
   "lending_rate_type": "FIXED",
   "fixed_months": 84,
   "kind": "fixed",
   "vehicles": [
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    "used",
    "green"
   ],
   "vehicle_age_min": null,
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   "max_vehicle_age_months": null,
   "vehicle_age_quote": null,
   "security": null,
   "term_min_months": 12,
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   "rate": 0.0699,
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   "rate_published_pct": 6.99,
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   "comparison_rate_max_pct": null,
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   "loan_min": 5000,
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   "redraw": true,
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   "restrictions": [],
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   "est_total_interest": 5258,
   "repayment_term_months": 60,
   "conditions": [
    "confirmed on the bank's website on 2026-11-05",
    "maximum $50,000 unsecured and $120,000 secured",
    "secured or unsecured"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
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   "record_stale": false,
   "product_url": "https://www.borderbank.com.au/loans/personal-loans",
   "terms_url": "https://www.borderbank.com.au/important-documents",
   "source_snapshot": "https://deepalmanac.com/au/finance/car-loans/v1/source/border-bank/b238f9e7-e1eb-4c8c-8f64-d02f6156d81f.json",
   "bank_last_updated": "2026-08-28T02:56:19.936Z"
  },
  {
   "rank": 10,
   "brand_label": "Police Bank",
   "brand_slug": "police-bank",
   "summary": {
    "comparison_rate_pct": 7.13,
    "rate_pct": 6.99,
    "rate_kind": "fixed",
    "monthly_repayment": 554.3,
    "total_interest": 5258,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Driveaway Car Loan",
   "product_name": "Driveaway Car Loan",
   "car_loan_basis": "name",
   "rate_kind": "fixed",
   "lending_rate_type": "FIXED",
   "fixed_months": 84,
   "kind": "fixed",
   "vehicles": [
    "new",
    "used",
    "green"
   ],
   "vehicle_age_min": null,
   "vehicle_age_max": null,
   "max_vehicle_age_months": null,
   "vehicle_age_quote": null,
   "security": null,
   "term_min_months": 12,
   "term_max_months": 84,
   "rate": 0.0699,
   "rate_pct": 6.99,
   "rate_published_pct": 6.99,
   "rate_unreliable": false,
   "comparison_rate": 0.0713,
   "comparison_rate_pct": 7.13,
   "comparison_basis": null,
   "rate_max_pct": null,
   "comparison_rate_max_pct": null,
   "risk_based": false,
   "credit_band": null,
   "loan_min": 5000,
   "loan_max": null,
   "max_lvr": null,
   "redraw": true,
   "annual_fee": null,
   "upfront_fees": 98,
   "restrictions": [],
   "est_monthly_repayment": 554.3,
   "est_total_interest": 5258,
   "repayment_term_months": 60,
   "conditions": [
    "confirmed on the bank's website on 2026-11-05",
    "max $120,000 secured, $50,000 unsecured",
    "maximum term 7 years",
    "no monthly or annual account keeping fee"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "product_url": "https://www.policebank.com.au/loans/car-loans/",
   "terms_url": "https://cdn.mediavalet.com/aunsw/policebank/TmJxZo5CSU2eo34NF07nOw/6vMMim6TXUOuJJiFlGn7xg/Original/PBL9_Car-Loan-TMD.pdf",
   "source_snapshot": "https://deepalmanac.com/au/finance/car-loans/v1/source/police-bank/ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b.json",
   "bank_last_updated": "2026-09-06T23:59:49.593Z"
  }
 ]
}