{
  "source": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/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": "REDRAW"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Use Internet Banking and/or the LCU - Banking App to access your account\t"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "SMS/Email Alerts - Set up SMS or email alerts for credits, debits, logins to your account and more\t"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Additional repayments and early payout. Unlimited additional repayments and early payout options without penalty"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Automatic repayments. Can be set up from salary, LCU account, or external account \t"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible repayments, Weekly, fortnightly or monthly\t"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No ongoing fees. No annual, monthly or weekly fees\t"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest calculated daily and applied monthly\t"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayment type Principal and Interest"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Application fee of $200 payable on Funding of your loan"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "2000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "50000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "At least one borrower must be an Australian resident"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Income required to service loan. Applicant must meet LCU lending criteria",
        "additionalInfo": "\t"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Security may be required"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Shareholder. Must be a shareholder owning a $10 share.  Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own your Bank\". $10 share is refunded if you choose to close your account. \t\t"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Eligibility. To be eligible to borrow  you must be referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry.\t"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Minimum loan term 1 year"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Maximum loan term 7 years"
      }
    ],
    "fees": [
      {
        "name": "EQUIFAX_CREDIT_CHECK",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1525",
        "comparisonRate": "0.1555",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "Personal_Loan",
    "lastUpdated": "2026-07-06T23:38:59.000+10:00",
    "name": "Personal Loan",
    "description": "Variable - Principal and Interest",
    "brand": "LABORATORIES CREDIT UNION LTD.",
    "brandName": "LCU",
    "applicationUri": "https://lending.lcu.com.au/loans",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://lcu.com.au/personal-loans/",
      "termsUri": "https://lcu.com.au/disclosure-documents",
      "feesAndPricingUri": "https://lcu.com.au/disclosure-documents"
    }
  }
}