{ "source": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/16a3b2aa-1e82-11f1-beeb-325096b39f47", "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).", "data": { "productId": "16a3b2aa-1e82-11f1-beeb-325096b39f47", "lastUpdated": "2026-07-13T17:13:04.000+10:00", "productCategory": "PERS_LOANS", "name": "Fixed Rate Car Loan", "description": "With our car loan you can purchase or refinance the vehicle of your dreams, whether it's a new or used vehicle up to 10 years old.", "brand": "AMB", "brandName": "Australian Mutual Bank", "applicationUri": "https://australianmutual.bank/Personalloanapplication", "isTailored": false, "additionalInformation": { "overviewUri": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/", "termsUri": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/", "eligibilityUri": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/", "feesAndPricingUri": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/" }, "features": [ { "featureType": "OTHER", "additionalInfo": "No ongoing fees" }, { "featureType": "OTHER", "additionalInfo": "Choose weekly, fortnightly or monthly repayments" }, { "featureType": "OTHER", "additionalInfo": "A competitive fixed interest rate" }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "24/7 access via internet banking and mobile app" }, { "featureType": "OTHER", "additionalInfo": "Loan can be used to buy towable caravans, boats, motor cycles or classic cars" }, { "featureType": "OTHER", "additionalInfo": "Accessories like a car navigation system, alarm and your car insurance can be added to the loan" } ], "constraints": [ { "constraintType": "MIN_LIMIT", "additionalValue": "10000.00", "additionalInfo": "Minimum loan amount is $10,000" }, { "constraintType": "MAX_LIMIT", "additionalValue": "80000.00", "additionalInfo": "Maximum loan amount is $80,000" } ], "eligibility": [ { "eligibilityType": "OTHER", "additionalInfo": "You must be a member. Membership is open to citizens of Australia over age of 18 and are current or retired employees or volunteers in Education, Health Care or Emergency Services sectors or are family members of members (i.e. shareholders) of the Bank" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Individuals must be citizens of Australia." }, { "eligibilityType": "NATURAL_PERSON" }, { "eligibilityType": "MIN_AGE", "additionalValue": "18" }, { "eligibilityType": "OTHER", "additionalInfo": "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.", "additionalInfoUri": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/" } ], "fees": [ { "name": "COLLECTION_CHARGES", "feeType": "OTHER", "feeMethodUType": "variable", "variable": { "feeMinimum": "0.00", "feeMaximum": "9999999.00" }, "currency": "AUD", "additionalInfo": "At cost. Payable when we request an agent to assist our efforts to address defaults under your contract before we can commence legal action. At Cost." }, { "name": "BREAK_FEE", "feeType": "EXIT", "feeMethodUType": "variable", "variable": { "feeMinimum": "0.00", "feeMaximum": "9999999.00" }, "currency": "AUD", "additionalInfo": "Payable on early repayment i.e. during the fixed rate period if you repay the loan in full, you repay part of the loan or you switch from this loan type to another loan type. Please refer to clause 3B of the Consumer Lending terms and conditions for details of how this fee is calculated. At Cost." }, { "name": "APPLICATION_FEE", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "150.00" }, "currency": "AUD", "additionalInfo": "This fee is applicable when the loan is funded." } ], "lendingRates": [ { "lendingRateType": "FIXED", "rate": "0.0619", "comparisonRate": "0.064", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OTHER", "tiers": [ { "name": "Fixed Rate Car Loan", "unitOfMeasure": "DOLLAR", "minimumValue": "10000.00", "maximumValue": "100000.00", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "This rate is applicable to loans from $10,000 to $100,000. Fixed rate for 3 years. Comparison rates quoted are based on $30,000 for a term of 5 years for Car Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges." } ], "additionalValue": "P3Y" }, { "lendingRateType": "FIXED", "rate": "0.0619", "comparisonRate": "0.064", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OTHER", "tiers": [ { "name": "Fixed Rate Car Loan", "unitOfMeasure": "DOLLAR", "minimumValue": "10000.00", "maximumValue": "100000.00", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "This rate is applicable to loans from $10,000 to $100,000. Fixed rate for 4 years. Comparison rates quoted are based on $30,000 for a term of 5 years for Car Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges." } ], "additionalValue": "P4Y" }, { "lendingRateType": "FIXED", "rate": "0.0619", "comparisonRate": "0.064", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OTHER", "tiers": [ { "name": "Fixed Rate Car Loan", "unitOfMeasure": "DOLLAR", "minimumValue": "10000.00", "maximumValue": "100000.00", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "This rate is applicable to loans from $10,000 to $100,000. Fixed rate for 5 years. Comparison rates quoted are based on $30,000 for a term of 5 years for Car Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges." } ], "additionalValue": "P5Y" }, { "lendingRateType": "FIXED", "rate": "0.0619", "comparisonRate": "0.064", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OTHER", "tiers": [ { "name": "Fixed Rate Car Loan", "unitOfMeasure": "DOLLAR", "minimumValue": "10000.00", "maximumValue": "100000.00", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "This rate is applicable to loans from $10,000 to $100,000. Fixed rate for 6 years. Comparison rates quoted are based on $30,000 for a term of 5 years for Car Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges." } ], "additionalValue": "P6Y" } ] } }