{
  "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_PER_320S_Online",
  "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": "CREDITUNIONSA_PER_320S_Online",
    "effectiveFrom": "2020-05-28T00:00:00.000+10:00",
    "effectiveTo": "2099-06-01T00:00:00.000+10:00",
    "lastUpdated": "2026-06-29T00:00:00.000+10:00",
    "productCategory": "PERS_LOANS",
    "name": "Online-only Special Fixed Rate Personal Loan",
    "description": "Our online-only Special Fixed Rate Personal Loan rate is available just for applications received through our digital channels. This product is available when secured by a new or used vehicle aged 5 years and less. The minimum loan amount is $15,000. The interest rate of this product is fixed for the life of the loan up to a maximum of 7 years. Principal and interest repayments. Available for any consumer purpose.",
    "brand": "Credit Union SA",
    "applicationUri": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=joint-personal-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.creditunionsa.com.au/loans/car-and-personal-loans/personal-loans/",
      "termsUri": "https://cms.creditunionsa.com.au/assets/documents/BRC_1032-Personal-loan-Int-rates.pdf",
      "eligibilityUri": "https://www.creditunionsa.com.au/loans/car-and-personal-loans/personal-loans/",
      "feesAndPricingUri": "https://www.creditunionsa.com.au/fees/personal-loans/",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [],
    "bundles": [],
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/car-and-personal-loans/special-car-loan/online-only/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Unlimited extra repayments",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/car-and-personal-loans/special-car-loan/online-only/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Early repayment (no penalty)",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/car-and-personal-loans/special-car-loan/online-only/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "15000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00"
      }
    ],
    "eligibility": [],
    "fees": [
      {
        "name": "Personal loan application",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalValue": "When a new personal loan is approved and funded",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/personal-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "discounts": []
      },
      {
        "name": "Increase to an existing personal loan",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalValue": "When an increase to an existing personal loan is approved and funded",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/personal-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "discounts": [
          {
            "description": "Increase of existing Green loan application fee is waived for Credit Union SA members with existing Credit Union SA Home Loans",
            "discountType": "ELIGIBILITY_ONLY",
            "additionalInfoUri": "https://www.creditunionsa.com.au/loans/personal-loans/green-loan",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.00"
            },
            "eligibility": []
          },
          {
            "description": "Establishment fee is waived for any employee of the education community and students carrying out studies in education and eligible family members (these are parents, children, grandparents, grandchildren, siblings and partners only).",
            "discountType": "ELIGIBILITY_ONLY",
            "additionalInfoUri": "https://www.creditunionsa.com.au/loans/car-and-personal-loans/education-community-car-loan/",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "STUDENT",
                "additionalValue": "<html><html>Application fee is waived for any employee of the education community and students carrying out studies in education <b>and eligible family members(these are parents, children, grandparents, grandchildren, siblings and partners only).</b></html></html>",
                "additionalInfoUri": "https://www.creditunionsa.com.au/community/education-community-banking-benefits/education-car-personal-loans"
              },
              {
                "discountEligibilityType": "EMPLOYMENT_STATUS",
                "additionalValue": "<html><html>Application fee is waived for any employee of the education community and students carrying out studies in education <b>and eligible family members(these are parents, children, grandparents, grandchildren, siblings and partners only).</b></html></html>",
                "additionalInfoUri": "https://www.creditunionsa.com.au/community/education-community-banking-benefits/education-car-personal-loans"
              }
            ]
          }
        ]
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0919",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "rate": "0.0869",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "P7Y",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/car-and-personal-loans/personal-loans/"
      }
    ]
  }
}