{
  "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/06f63461-e1c8-469d-98b6-94356882b04c",
  "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": {
      "feesAndPricingUri": "https://www.bankaust.com.au/banking/car-loans",
      "overviewUri": "https://www.bankaust.com.au/banking/car-loans/car-loan",
      "termsUri": "https://www.bankaust.com.au/support/disclosures"
    },
    "applicationUri": "https://apply.bankaust.com.au/cip/bankaustralia/p/bankaustralia/consumercredit/application.html",
    "brand": "Bank Australia",
    "description": "A range of car loans for electric vehicles (Evs) and used cars.",
    "effectiveFrom": "2001-07-02T14:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-06-23T04:17:23.273Z",
    "name": "Fixed Car Loan",
    "productCategory": "PERS_LOANS",
    "productId": "06f63461-e1c8-469d-98b6-94356882b04c",
    "fees": [
      {
        "discounts": [
          {
            "discountMethodUType": "fixedAmount",
            "description": "Personal Loan Establishment Fee waiver",
            "eligibility": [
              {
                "additionalInfo": "The establishment fee is waived if the vehicle is fully electric.\n",
                "discountEligibilityType": "OTHER"
              }
            ],
            "discountType": "ELIGIBILITY_ONLY",
            "fixedAmount": {
              "amount": "150.00"
            }
          }
        ],
        "name": "Establishment Fee - Personal Loan",
        "fixedAmount": {
          "amount": "150.00"
        },
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Late Payment Fee",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Early Repayment Fee",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Monthly fee",
        "additionalInfo": "There is no monthly fee",
        "additionalValue": "P1M",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "Individuals (natural persons) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.",
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "additionalInfo": "Individuals only: Not available for non-personal borrowers.",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Applications for loans are subject to the Bank's lending criteria.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Maximum age of 7 years new Vehicle and 5 years for used vehicle",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "The vehicle must be road registered",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "The vehicle is required as security for the loan, and security interest noted on the Personal Property Securities Register (PPSR)",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Maximum LVR of 100%",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Australian citizen or permanent resident of Australia",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU"
      },
      {
        "additionalInfo": "Lending for new vehicles (including ex-demonstrators with fewer than 1,000 km) is limited to Electric Vehicles (EVs).  An EV is defined as a vehicle without an internal combustion engine (ICE).",
        "eligibilityType": "OTHER"
      }
    ],
    "constraints": [
      {
        "additionalInfo": "Minimum loan amount $1,000",
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional repayments are available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible Repayments: Make your loan repayments weekly, fortnightly or monthly"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw Is not available on car loans"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://cdn.bfldr.com/1R31Y8GR/as/5pxcb6tz9n83psz2k2knqtk/Loan_fees_schedule",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0629",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0629",
        "additionalInfo": "Applicable to new or used electric vehicles",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "P7Y"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://cdn.bfldr.com/1R31Y8GR/as/5pxcb6tz9n83psz2k2knqtk/Loan_fees_schedule",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.075",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0729",
        "additionalInfo": "Applicable to used combustion engine vehicles",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "P7Y"
      }
    ]
  }
}