{
  "source": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/L16_USED_CAR_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"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Email, SMS"
      },
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "15000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident"
      }
    ],
    "fees": [
      {
        "name": "PERSONAL_LOAN_REDRAW",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "PERSONAL_LOAN_APPLICATION",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1099",
        "comparisonRate": "0.1124",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://www.firstoptionbank.com.au/lending-rates/"
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "L16_USED_CAR_LOAN",
    "lastUpdated": "2025-01-24T11:47:54.000+11:00",
    "name": "USED CAR LOAN",
    "description": "USED CAR LOAN",
    "brand": "FIRST OPTION BANK LTD",
    "brandName": "FIRST OPTION BANK",
    "applicationUri": "https://firstoptionbank.com.au/car-loan-enquiry/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://firstoptionbank.com.au/car-loans/",
      "termsUri": "https://firstoptionbank.com.au/disclosure-statements/",
      "eligibilityUri": "https://firstoptionbank.com.au/disclosure-statements/",
      "feesAndPricingUri": "https://firstoptionbank.com.au/disclosure-statements/"
    }
  }
}