{
  "source": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/e2b327b0-1e71-11f1-b7dd-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": "e2b327b0-1e71-11f1-b7dd-325096b39f47",
    "lastUpdated": "2026-07-13T17:07:18.000+10:00",
    "productCategory": "PERS_LOANS",
    "name": "All Purpose Personal Loan",
    "description": "Any acceptable purpose excluding lending for business purposes.",
    "brand": "AMB",
    "brandName": "Australian Mutual Bank",
    "applicationUri": "https://australianmutual.bank/Personalloanapplication",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://australianmutual.bank/loans/personal-loans/all-purpose-personal-loan/",
      "termsUri": "https://australianmutual.bank/loans/personal-loans/all-purpose-personal-loan/",
      "eligibilityUri": "https://australianmutual.bank/about-us/become-a-member/",
      "feesAndPricingUri": "https://australianmutual.bank/loans/personal-loans/all-purpose-personal-loan/"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "No ongoing fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make extra repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Choose weekly, fortnightly or monthly repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A competitive variable interest rate"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Debt consolidation, You can borrow up to $50,000 to consolidate your debts"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "A fee free redraw facility to access additional repayments you've made. Redraw is subject to application and registration."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access via internet banking and mobile app"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fee for early repayment"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to make lump sum payments"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "4000.00",
        "additionalInfo": "Minimum loan amount is $4,000"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "80000.00",
        "additionalInfo": "Maximum loan amount is $80,000. Debt consolidation is $50,000 maximum. For information on debt consolidation visit ASIC's website.",
        "additionalInfoUri": "https://moneysmart.gov.au/managing-debt/debt-consolidation-and-refinancing"
      }
    ],
    "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/personal-loans/all-purpose-personal-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": "APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is applicable when the loan is funded."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1199",
        "comparisonRate": "0.1214",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "All Purpose Personal Loan",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "4000.00",
            "maximumValue": "80000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "This rate is applicable to debt consolidation loans from $4,000 to $50,000 and non debt consolidation loans up from $4,000 to $80,000"
          }
        ]
      }
    ]
  }
}