{
  "source": "https://api.productcloud.com.au/public/LATITUDELOANS/cds-au/v1/banking/products/8a6acbba-43ed-4a06-b9bd-aad629d68b6e",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.latitudefinancial.com.au/personal-loan/#",
      "feesAndPricingUri": "https://www.latitudefinancial.com.au/personal-loan/#compare-products",
      "overviewUri": "https://www.latitudefinancial.com.au/personal-loan/",
      "termsUri": "https://assets.latitudefinancial.com/brochures/au/latitudemoney/personal-loans-terms-conditions.pdf"
    },
    "applicationUri": "https://www.latitudefinancial.com.au/personal-loan/",
    "brand": "Latitude Personal and Motor Loans",
    "brandName": "Latitude Personal and Motor Loans",
    "description": "Loan from Latitude Personal and Motor Loans. Flexible repayment options including weekly, fortnightly, or monthly repayments via Direct Debit or BPAY. Minimum borrowing amount of $5,000 with the maximum depending on individual circumstances and financial situation.",
    "effectiveFrom": "2025-12-07T13:00:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-07-09T06:20:10.911Z",
    "name": "Latitude Personal Loans",
    "productCategory": "PERS_LOANS",
    "productId": "8a6acbba-43ed-4a06-b9bd-aad629d68b6e",
    "fees": [
      {
        "name": "Establishment Fee",
        "additionalInfo": "One-off establishment fee charged at loan setup.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "395.00"
        },
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Loan Service Fee",
        "additionalInfo": "$16.50 per month.",
        "currency": "AUD",
        "additionalValue": "P1M",
        "fixedAmount": {
          "amount": "16.50"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Early Termination Fee",
        "additionalInfo": "For Fixed Loans- $500 early termination fee (up until the final 3 months of loan term).",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "500.00"
        },
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Late Payment Fee",
        "additionalInfo": "$45 if minimum repayment is not made by the agreed date",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "45.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "BPAY Payment Handling Fee",
        "additionalInfo": "Fee charged for payments made via BPAY.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "1.95"
        },
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Direct Debit Fee",
        "additionalInfo": "No fee for payments made via Direct Debit.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Brokerage Fee",
        "additionalInfo": "This fee is applicable to broker-submitted applications.",
        "variable": {
          "feeMinimum": "0.00"
        },
        "currency": "AUD",
        "feeType": "OTHER",
        "feeMethodUType": "variable"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "Be at least 18 years of age.",
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/#"
      },
      {
        "additionalInfo": "Good Credit History\n\nBe able to demonstrate a good credit history for the last 5 years.",
        "eligibilityType": "OTHER",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/#"
      },
      {
        "additionalInfo": "Be an Australian Permanent Resident.",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Permanent Resident",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/#"
      },
      {
        "additionalInfo": "Bankruptcy Free\n\nBe free from bankruptcy for the last 7 years.",
        "eligibilityType": "OTHER",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/#"
      },
      {
        "additionalInfo": "Be currently employed and earning at least $25,000 gross per annum.",
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Employed",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/#"
      },
      {
        "additionalInfo": "Be currently employed and earning at least $25,000 gross per annum.",
        "eligibilityType": "MIN_INCOME",
        "additionalValue": "25000.00",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/#"
      }
    ],
    "constraints": [
      {
        "additionalInfo": "Loan terms\n\n2 to 7 years\nSecured or unsecured",
        "constraintType": "OTHER",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/"
      },
      {
        "additionalInfo": "The minimum amount you can borrow with a personal loan is $5,000, with the maximum depending on your circumstances and current financial situation.",
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/#"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Repayment Options\n\nYou can opt to make weekly, fortnightly or monthly repayments by Direct Debit or BPAY. Payment via BPAY will incur a payment handling fee of $1.95.",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/#"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw is a feature of Latitude Variable Rate Personal Loans that gives access to additional repayments you've made on your loan. There's no cost to redraw and no need to reapply for a new loan. Just flexible access to funds when you need them. Call 1300 973 422 to see if you are eligible.",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/#"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "You can opt to make weekly, fortnightly or monthly repayments by Direct Debit or BPAY. Payment via BPAY will incur a payment handling fee of $1.95.",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/#"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Simple application\n\nApply online in under 7 minutes. Only a few documents needed for ID and income verification."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible financing\n\nNo early repayment fee on variable loans. Access additional repayments you've made when you need them with Redraw on variable loans."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Solutions to suit you\n\nOur team will help you through the process. Loan options tailored to your specific needs"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalInfo": "Want a 3 month payment pause? No payments for the first 3 months\nEligible customers* can opt in to skip the first 3 month repayments with a payment pause.\n\nInterest & fees apply\nInterest and fees will still be accrued during the deferred payment period.\n\nFirst payment in month 4\nYour first repayment is due in month 4. You can still choose to pay earlier.\n\nLoan term extends by 3 months\nYour loan term will increase by 3 months to accommodate the payment pause.\n\n*Available to new Personal Loan customers only. If eligible this will be confirmed when you receive your quote. Note if you defer your repayments, your loan will take longer to pay back. This is because we charge interest during your payment pause.",
        "additionalInfoUri": "https://loans.portal.latitudefinancial.com.au/s/quote?gemid2=lfs-web%3Aloans%3Apersonal-loan%3Aget-my-rate-estimate%3A%5Bobject+Object%5D&_gl=1*1lwd639*_gcl_au*MjAyNzE1NTIxMC4xNzY4NzgzOTk1*_ga*MTk1MzAzODMzLjE3NTg4NDcyODg.*_ga_HN02VX7PXM*czE3NzQ0MDM5MDEkbzQ3JGcxJHQxNzc0NDA1NjE3JGozMCRsMCRoMA..*_ga_VZY6JWYT4Y*czE3NzQ0MDM5MDIkbzQ3JGcxJHQxNzc0NDA1NjE3JGozMCRsMCRoMA.."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Top-ups\n\nNeed extra funds? A Personal Loan Top-up can help\n\nApply through the Personal Loans Portal to see if you’re eligible. Available to all existing eligible Latitude Personal Loan customers.",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/top-up/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/",
        "applicationFrequency": "P1Y",
        "calculationFrequency": "P1Y",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.1166",
        "repaymentType": "OTHER",
        "rate": "0.0999",
        "additionalInfo": "Rates remain fixed for the entire loan term\n\n$500 early termination fee (up until the final 3 months of loan term)\n\nFlexible repayment options with weekly, fortnightly, or monthly repayments\n\nWhy choose a fixed rate?\n\nA fixed rate makes budgeting easier. It’s ideal if you want certainty and peace of mind. Your interest rate stays the same, no surprises, no changes.\n\nMinimum rate",
        "loanPurpose": "OTHER",
        "additionalValue": "P7Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/",
        "applicationFrequency": "P1Y",
        "calculationFrequency": "P1Y",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.1166",
        "repaymentType": "OTHER",
        "rate": "0.0999",
        "additionalInfo": "Rates are subject to change throughout the loan term\n\nNo early termination fee\n\nFlexible repayment options with weekly, fortnightly, or monthly repayments\n\nRedraw extra repayments at no cost\n\nWhy choose a variable rate?\n\nA variable rate offers flexibility. Ideal if you want to pay off your loan early with fewer restrictions.\n\nMinimum rate",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/",
        "applicationFrequency": "P1Y",
        "calculationFrequency": "P1Y",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.3097",
        "repaymentType": "OTHER",
        "rate": "0.2939",
        "additionalInfo": "Rates remain fixed for the entire loan term\n\n$500 early termination fee (up until the final 3 months of loan term)\n\nFlexible repayment options with weekly, fortnightly, or monthly repayments\n\nWhy choose a fixed rate?\n\nA fixed rate makes budgeting easier. It’s ideal if you want certainty and peace of mind. Your interest rate stays the same, no surprises, no changes.\n\nMaximum rate.",
        "loanPurpose": "OTHER",
        "additionalValue": "P7Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/personal-loan/",
        "applicationFrequency": "P1Y",
        "calculationFrequency": "P1Y",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.3097",
        "repaymentType": "OTHER",
        "rate": "0.2939",
        "additionalInfo": "Rates are subject to change throughout the loan term\n\nNo early termination fee\n\nFlexible repayment options with weekly, fortnightly, or monthly repayments\n\nRedraw extra repayments at no cost\n\nWhy choose a variable rate?\n\nA variable rate offers flexibility. Ideal if you want to pay off your loan early with fewer restrictions.\n\nMaximum rate.",
        "loanPurpose": "OTHER"
      }
    ]
  }
}