{
  "source": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/2f186288-5c03-ee11-8f6e-00224814dce7",
  "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": "2f186288-5c03-ee11-8f6e-00224814dce7",
    "lastUpdated": "2026-03-16T04:50:00Z",
    "productCategory": "PERS_LOANS",
    "name": "Car Loan",
    "description": "Buying a car is all about a multitude of choices - colours, makes, models and optional extras. If a car gives you freedom of choice, why be limited to a car loan that doesn't offer the same? We offer a wide choice of tailored car loan solutions and go to great lengths to give the financing that's right for you.",
    "brand": "BOQS",
    "brandName": "BOQ Specialist",
    "applicationUri": "https://www.boqspecialist.com.au/personal-banking/car-loans",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.boqspecialist.com.au/personal-banking/car-loans",
      "termsUri": "https://www.boqspecialist.com.au/personal-banking/car-loans",
      "eligibilityUri": "https://www.boqspecialist.com.au/about",
      "feesAndPricingUri": "https://www.boqspecialist.com.au/personal-banking/car-loans"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Can be structured for an individual, company or trust.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/car-loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for new and used vehicles, dealer and private sale",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/car-loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Use your BOQ Specialist credit card to purchase your car or make loan repayments and earn reward points at the same time. A 1.5% processing fee applies.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/car-loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Option to finance for business or private use",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/car-loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible terms of up to five years",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/car-loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Competitive car loan interest rates.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/car-loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Tailored loan repayments to suit your cash-flow needs, including fixed and variable options",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/car-loans"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Resident or Citizen"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Product is offered to medical, dental ,veterinary & accounting professionals only",
        "additionalInfoUri": "https://www.boqspecialist.com.au/about"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "Discharge Fee",
        "feeType": "EXIT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "$150 (PPSR security) $250 (property) Charged each time a security is discharged (per security)",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Direct Debit Processing Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Charged for each time a direct debit is received from you",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Break Costs",
        "feeType": "EXIT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Payable if an agreement is terminated before expiration of the term of that agreement",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.0000"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Payment Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged each time a cheque or payment made by you is dishonoured",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if sending payment via Bank Cheque (per bank cheque)",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Escrow Services Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "An escrow services fee is payable at the end of each escrow agreement you make with us.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Consent to lease Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a consent to registration of lease and production of Certificate of Title is required",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Variation Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "$395 - $950. Charged for any variations made to the loan that need documentation",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "SWIFT Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if sending payment via SWIFT",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Application Reassessment Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when an application is reassessed",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Settlement Cancellation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if a booked settlement does not proceed",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Substitution/Assignment/Novation Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "$450 plus any applicable External Costs",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Documentation or Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Charged for set up of the Facility",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Trust Deed Review",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "220.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a trust deed requires review",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Termination Fee",
        "feeType": "EXIT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Payable if an agreement is terminated before expiration of the term of that agreement",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      },
      {
        "name": "Monthly Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfoUri": "https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance"
      }
    ]
  }
}