{
  "source": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Personal_Loan",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "If your loan is in advance then redraw is available. Redraw is available same day without fees."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "NPP_ENABLED"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "80000.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "3000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "PERSONAL_LOAN_APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD"
      },
      {
        "name": "SPECIAL_ATTENDANCE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender   s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date."
      },
      {
        "name": "ARREARS_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day."
      },
      {
        "name": "EVIDENCE_RETRIEVAL_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that the fee is not applicable where evidence shows that you did not initiate the transaction."
      },
      {
        "name": "CHEQUE_DISHONOUR_(INWARD)_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.",
        "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf"
      },
      {
        "name": "DUPLICATE_STATEMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1099",
        "comparisonRate": "0.1128",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "UNSECURED PERSONAL LOAN",
        "additionalInfoUri": "https://bankofus.com.au/personal-loan-interest-rates"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0699",
        "comparisonRate": "0.0727",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "VEHICLE PERSONAL LOAN - vehicle less than 2 years old",
        "additionalInfoUri": "https://bankofus.com.au/personal-loan-interest-rates"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0899",
        "comparisonRate": "0.0928",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "VEHICLE PERSONAL LOAN - vehicle between 2 and 7 years old",
        "additionalInfoUri": "https://bankofus.com.au/personal-loan-interest-rates"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1099",
        "comparisonRate": "0.1128",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "VEHICLE PERSONAL LOAN - vehicle more than 7 years old",
        "additionalInfoUri": "https://bankofus.com.au/personal-loan-interest-rates"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0649",
        "comparisonRate": "0.0677",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "SAVVY SWITCH - SECURED PERSONAL LOAN"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0749",
        "comparisonRate": "0.0777",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "SAVVY SWITCH - UNSECURED PERSONAL LOAN"
      }
    ],
    "productId": "Personal_Loan",
    "lastUpdated": "2026-06-04T08:08:29.000+10:00",
    "productCategory": "PERS_LOANS",
    "name": "Personal Loan",
    "description": "With low interest rates, fast approval and flexible repayment options, you can?t go past a Bank of us personal loan. From amounts as little as $3,000, our personal loans are straightforward and super",
    "brand": "BNE LTD",
    "brandName": "Bank of us",
    "applicationUri": "https://bankofus.com.au/personal-loans",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://bankofus.com.au/personal-loans",
      "termsUri": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf",
      "eligibilityUri": "https://bankofus.com.au/personal-loans",
      "feesAndPricingUri": "https://bankofus.com.au/personal-loan-interest-rates"
    }
  }
}