{
  "source": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/8397effe-4703-470d-afaf-093502021c10",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.alex.com.au/legal/secured-personal-loan-target-market-determination/",
      "feesAndPricingUri": "https://www.alex.bank/legal/credit-fees-guide/",
      "overviewUri": "https://www.alex.com.au/car-loan/"
    },
    "brand": "Alex Bank",
    "brandName": "Alex.Bank",
    "constraints": [
      {
        "additionalValue": "10000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalValue": "100000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalValue": "1.20",
        "constraintType": "MAX_LVR"
      }
    ],
    "description": "Alex gets you a secured personal loan with personalised interest rates based on your credit history and doesn't penalise you for making additional repayments or paying your loan out earlier.\n",
    "eligibility": [
      {
        "additionalValue": "Individuals must have the legal capacity to enter into the loan contract. Not available for joint borrowers or non-individual borrowers.",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalValue": "Individuals must be an Australian Citizen or Permanent Resident",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      }
    ],
    "features": [
      {
        "additionalInfo": "No monthly or annual account keeping fees",
        "additionalValue": "No ongoing fees",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "You can make extra repayments or payout the loan in full early without any penalty",
        "additionalValue": "No early repayment or payout fees",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Pay weekly, fortnightly or monthly via direct debit",
        "additionalValue": "Repayment frequency",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "295.00"
        },
        "name": "Establishment fee"
      },
      {
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Late Payment Fee"
      },
      {
        "additionalValue": "Flexibility to make extra repayments or payout loan in full without penalty",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Early Repayment Fee"
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-03-12T23:09:15Z",
    "lendingRates": [
      {
        "additionalInfo": "Alex Bank secured personal loans (car) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 7.49% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 15.49% p.a. (comparison rate* 7.90% p.a. to 15.94% p.a.). Where the loan term is higher than 5 years a higher rate applies.",
        "additionalValue": "P7Y",
        "applicationFrequency": "P7D",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.079",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0749",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Alex Bank secured personal loans (electric vehicle) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 6.49% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 14.99% p.a. (comparison rate* 6.90% p.a. to 15.43% p.a.). Where the loan term is higher than 5 years a higher rate applies.",
        "additionalValue": "For purchase of vehicles that are fully electric only.",
        "applicationFrequency": "P7D",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.069",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "DISCOUNT",
        "loanPurpose": "OTHER",
        "rate": "0.0649",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Alex Bank secured personal loans (car) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 7.49% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 15.49% p.a. (comparison rate* 7.90% p.a. to 15.94% p.a.). Where the loan term is higher than 5 years a higher rate applies.",
        "additionalValue": "P7Y",
        "applicationFrequency": "P14D",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.079",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0749",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Alex Bank secured personal loans (electric vehicle) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 6.49% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 14.99% p.a. (comparison rate* 6.90% p.a. to 15.43% p.a.). Where the loan term is higher than 5 years a higher rate applies.",
        "additionalValue": "For purchase of vehicles that are fully electric only.",
        "applicationFrequency": "P14D",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.069",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "DISCOUNT",
        "loanPurpose": "OTHER",
        "rate": "0.0649",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Alex Bank secured personal loans (car) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 7.49% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 15.49% p.a. (comparison rate* 7.90% p.a. to 15.94% p.a.). Where the loan term is higher than 5 years a higher rate applies.",
        "additionalValue": "P7Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.079",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0749",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Alex Bank secured personal loans (electric vehicle) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 6.49% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 14.99% p.a. (comparison rate* 6.90% p.a. to 15.43% p.a.). Where the loan term is higher than 5 years a higher rate applies.",
        "additionalValue": "For purchase of vehicles that are fully electric only.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.069",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "DISCOUNT",
        "loanPurpose": "OTHER",
        "rate": "0.0649",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      }
    ],
    "name": "Secured Fixed Rate Personal Loan",
    "productCategory": "PERS_LOANS",
    "productId": "8397effe-4703-470d-afaf-093502021c10"
  }
}