{
  "source": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Premium_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": "DIGITAL_BANKING",
        "additionalInfoUri": "https://www.cwcu.com.au/other-services/cards-and-ways-to-bank/redinet-online-banking"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest rate is subject to meeting eligibility criteria"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Maximum term 7 years"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "10000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident only"
      }
    ],
    "fees": [
      {
        "name": "LOAN_APPLICATION_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "feeCap": "0.00",
        "feeCapPeriond": "",
        "currency": "AUD",
        "additionalInfo": "On Establishment of Loan"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.095",
        "comparisonRate": "0.1052",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "Can either be secured or unsecured"
      }
    ],
    "productId": "Premium_Personal_Loan",
    "effectiveFrom": "2021-03-25T00:00:00.000+11:00",
    "lastUpdated": "2026-04-14T09:09:50.000+10:00",
    "productCategory": "PERS_LOANS",
    "name": "Premium Personal Loan",
    "description": "Whether you're looking to take a holiday, renovate your home or you want to consolidate debt, we could help you with a CWCU Variable Rate Personal Loan",
    "brand": "CENTRAL WEST CREDIT UNION LTD",
    "brandName": "CENTRAL WEST CREDIT UNION LTD",
    "applicationUri": "https://www.cwcu.com.au/lending/apply-for-a-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.cwcu.com.au/lending/personal-loans",
      "termsUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "eligibilityUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "feesAndPricingUri": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
      "bundleUri": "https://www.cwcu.com.au/lending/apply-for-a-loan"
    }
  }
}