{
  "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/c98688d8-055d-494e-8866-b406374bdaf5",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "effectiveFrom": "2019-12-31T13:30:00.000Z",
    "lastUpdated": "2026-07-10T05:59:34.023Z",
    "productCategory": "PERS_LOANS",
    "name": "Bendigo Unsecured Personal Loan ",
    "description": "A personal loan for a number of purposes not requiring security to be offered",
    "productId": "c98688d8-055d-494e-8866-b406374bdaf5",
    "brandName": "Bendigo Bank",
    "applicationUri": "https://apply.bendigobank.com.au/bendigoapply/servlet/SmartForm.html?formCode=personal-loan&applicationType=personalLoan",
    "isTailored": false,
    "bundles": [],
    "cardArt": [],
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "Manual & Online redraw available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Weekly, fortnightly or monthly repayments"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "2000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Employed"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Pension"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Student"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident"
      }
    ],
    "fees": [
      {
        "name": "Online Redraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Charged when completing a redraw online",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Manual Redraw Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Duplicate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Is payable for each copy of any document you request.",
        "discounts": [],
        "fixedAmount": {
          "amount": "16.500000"
        }
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Is payable for each Bank Cheque drawn.",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "Monthly Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1M",
        "discounts": [],
        "fixedAmount": {
          "amount": "5.000000"
        }
      },
      {
        "name": "Early Repayment Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "20.000000"
        }
      },
      {
        "name": "Default Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "35.000000"
        }
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Incurred when you apply for a new loan. \n",
        "discounts": [],
        "fixedAmount": {
          "amount": "150.000000"
        }
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.1454000000000000",
        "comparisonRate": "0.1664000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfo": "Unsecured",
        "additionalValue": "P7Y",
        "applicationType": "PERIODIC"
      }
    ],
    "additionalInformation": {
      "overviewUri": "https://apply.bendigobank.com.au/bendigoapply/servlet/SmartForm.html?formCode=personal-loan&applicationType=personalLoan",
      "termsUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-personal-loan-terms-conditions.pdf",
      "feesAndPricingUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/lending-fees-and-charges.pdf"
    },
    "brand": "BENDIGO"
  }
}