{
  "source": "https://public.prd.automotive-finance.com.au/cds-au/v1/banking/products/a0622618-ab7d-4dae-8c5f-9cb48e2999f8",
  "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": {
      "overviewUri": "https://www.gacgroup.com/en-au/mpv/gac-m8-phev"
    },
    "brand": "AMO",
    "brandName": "Automotive Finance",
    "description": "Consumer loan finance offer available for a limited time only, designed to help customers purchase a new asset for personal use. The loan features a fixed interest rate and no deposit requirement. Terms and conditions apply.",
    "effectiveFrom": "2026-07-01T01:55:00.000Z",
    "effectiveTo": "2026-08-31T13:59:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-07-05T23:52:51.350Z",
    "name": "GAC M8 PHEV 2.99% p.a. Comparison Rate Offer",
    "productCategory": "PERS_LOANS",
    "productId": "a0622618-ab7d-4dae-8c5f-9cb48e2999f8",
    "fees": [
      {
        "name": "Establishment fee",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Introducer origination fee",
        "additionalInfo": "The origination fee will vary based on your introducer.",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "1000.00"
        },
        "currency": "AUD",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable"
      },
      {
        "name": "Personal Property Securities Register (PPSR) fee",
        "additionalInfo": "Fee payable for each security to be registered as a security interest on the PPSR website.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "6.00"
        },
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Security registration administration fee",
        "additionalInfo": "Fee payable for each security to be registered as a security interest on the PPSR website.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "3.95"
        },
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Monthly repayment fee",
        "additionalInfo": "Payable each time a monthly repayment is due.",
        "currency": "AUD",
        "additionalValue": "P1M",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Fortnightly repayment fee",
        "additionalInfo": "Payable each time a fortnightly repayment is due.",
        "currency": "AUD",
        "additionalValue": "P14D",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Dishonour fee",
        "additionalInfo": "Payable each time a payment instruction is dishonoured.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "25.00"
        },
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Early termination fee",
        "additionalInfo": "Payable if the balance outstanding is repaid in full 3 months or more before the end of the loan term. The early termination fee is calculated as $200 plus (4% of the total amount financed) x (number of days remaining in the loan term / total number of days in the loan term).",
        "variable": {
          "feeMinimum": "0.00"
        },
        "currency": "AUD",
        "feeType": "EXIT",
        "feeMethodUType": "variable"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "All applicants are required to be 18 years or over.",
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "additionalInfo": "Applicants must be a natural person. Consumer loans are available for individuals and co-borrowers.",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Applicants must be an Australian or New Zealand citizen, or a permanent Australian resident, or hold an acceptable visa that is valid for the loan term. Applicants must reside in Australia."
      },
      {
        "additionalInfo": "Applicants must hold a valid licence suitable for the asset being financed.",
        "eligibilityType": "OTHER"
      }
    ],
    "constraints": [
      {
        "additionalInfo": "Minimum loan amount for a new GAC M8 Premium, GAC M8 Luxury and GAC M8 Luxury Plus.",
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      },
      {
        "additionalInfo": "Maximum loan amount of $94,889 for a new GAC M8 Luxury Plus.\nMaximum loan amount of $93,399 for a new GAC M8 Luxury.\nMaximum loan amount of $85,939 for a new GAC M8 Premium.",
        "constraintType": "MAX_LIMIT",
        "additionalValue": "94889.00"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Have the certainty of a fixed interest rate and repayment amount for the life of the loan.",
        "additionalValue": "Fixed interest rates and repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayments can be made fortnightly or monthly, giving flexibility to manage your payment options.",
        "additionalValue": "Repayment frequency options"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Where available, additional finance inclusions such as comprehensive insurance and extended warranties may be included in the total amount financed, subject to credit criteria.",
        "additionalValue": "Additional finance inclusions"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0299",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0298",
        "additionalInfo": "Finance offer for a Consumer Loan on a 3 year term.\n\nThe comparison rate is based on a secured consumer fixed rate loan of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit criteria, fees, charges and terms and conditions apply. Offer cannot be combined with any other discounts, promotions, or special offers. Available on all new GAC M8 PHEV vehicles (excluding demonstrators). Finance to approved applicants only (excluding government, fleet and rental buyers). Finance applications must be approved by 31 August 2026 and settled by 15 September 2026. No minimum deposit required. Balloons are not eligible under this offer.",
        "loanPurpose": "OTHER",
        "additionalValue": "P3Y"
      }
    ]
  }
}