{
  "source": "https://api.productcloud.com.au/public/LATITUDELOANS/cds-au/v1/banking/products/e1220c1e-d0dc-49b0-8840-fe0488ef9a79",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "Latitude Personal and Motor Loans",
    "brandName": "Latitude Personal and Motor Loans",
    "description": "This loan product is available through broker channels.\nLoan amounts from $5,000.\nConsumer loan terms from 2 - 7 years.\nSecured loans.\nWeekly, fortnightly or monthly repayments.\nExtra repayments accepted.\nPurchase a car, boat or personal watercraft privately or through a dealer.",
    "effectiveFrom": "2025-12-07T13:00:00.000Z",
    "isTailored": true,
    "lastUpdated": "2026-07-09T06:22:30.106Z",
    "name": "Latitude Asset Loan",
    "productCategory": "PERS_LOANS",
    "productId": "e1220c1e-d0dc-49b0-8840-fe0488ef9a79",
    "fees": [
      {
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/",
        "name": "Establishment Fee",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "395.00"
        },
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/",
        "name": "Loan Service Fee",
        "additionalInfo": "$16.50 per month.",
        "currency": "AUD",
        "additionalValue": "P1M",
        "fixedAmount": {
          "amount": "16.50"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/",
        "name": "Late Payment Fee",
        "additionalInfo": " $45 in the event that you can't make the minimum repayment by your agreed date",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "45.00"
        },
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/",
        "name": "Early Termination Fee",
        "additionalInfo": "Variable Loan: No early termination fee\nFixed Loan: $750 up until the last 3 months of the loan term",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "750.00"
        },
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/",
        "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/brokers/"
      },
      {
        "additionalInfo": "Be a Permanent Australian Resident.",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Permanent Australian Resident",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/"
      },
      {
        "additionalInfo": "Be currently employed and earning at least $25,000 gross per annum.",
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Employed",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/"
      },
      {
        "additionalInfo": "Be currently employed / self-employed or a self-funded retiree, earning at least $25,000 gross per annum.",
        "eligibilityType": "MIN_INCOME",
        "additionalValue": "25000.00",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/"
      },
      {
        "additionalInfo": "Bankruptcy Free\nBe free from bankruptcy for the last 7 years.",
        "eligibilityType": "OTHER",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/"
      },
      {
        "additionalInfo": "Borrow for a consumer purpose only",
        "eligibilityType": "OTHER",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/"
      },
      {
        "additionalInfo": "Borrow at least $5,000",
        "eligibilityType": "MIN_INCOME",
        "additionalValue": "5000.00",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/"
      }
    ],
    "constraints": [
      {
        "additionalInfo": "Borrow at least $5,000",
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/"
      },
      {
        "additionalInfo": "Consumer loan terms from 2-7 years",
        "constraintType": "OTHER",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/",
        "applicationFrequency": "P1Y",
        "calculationFrequency": "P1Y",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.1067",
        "repaymentType": "OTHER",
        "rate": "0.0899",
        "additionalInfo": "The interest rate displayed is the minimum rate for the product. Rates are subject to change throughout the loan term. No early termination fee. Flexible repayment options with weekly, fortnightly, or monthly repayments. Redraw extra repayments at no cost.",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/",
        "applicationFrequency": "P1Y",
        "calculationFrequency": "P1Y",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.1067",
        "repaymentType": "OTHER",
        "rate": "0.0899",
        "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\nMinimum rate.",
        "loanPurpose": "OTHER",
        "additionalValue": "P7Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/",
        "applicationFrequency": "P1Y",
        "calculationFrequency": "P1Y",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.2957",
        "repaymentType": "OTHER",
        "rate": "0.2799",
        "additionalInfo": "The interest rate displayed is the maximum rate for the product. Rates are subject to change throughout the loan term. No early termination fee. Flexible repayment options with weekly, fortnightly, or monthly repayments. Redraw extra repayments at no cost.",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.latitudefinancial.com.au/brokers/",
        "applicationFrequency": "P1Y",
        "calculationFrequency": "P1Y",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.2458",
        "repaymentType": "OTHER",
        "rate": "0.2299",
        "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\nMaximum rate",
        "loanPurpose": "OTHER",
        "additionalValue": "P7Y"
      }
    ]
  }
}