{
  "source": "https://prd.pm.productdata.au/270801a2-ecee-4175-98fc-9ba0a1cd8d4d/adapter/cds-au/v1/banking/products/lca-fixed-caravan-dealer",
  "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": "loans.com.au",
    "description": "loans.com.au's Fixed Secured Caravan Loan offers a simple, competitive fixed rate with set repayments to help you finance your next vehicle with confidence. Choose a fixed term from 3 to 7 years, with finance available for new or used caravans up to 7 years old purchased from a dealer.",
    "isTailored": false,
    "lastUpdated": "2026-07-15T00:19:04.400836Z",
    "name": "Secured Fixed Caravan Loan (Dealer)",
    "productCategory": "PERS_LOANS",
    "productId": "lca-fixed-caravan-dealer",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": null,
    "brandName": "LCA",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "OTHER",
        "additionalInfo": "The loan term must be at least 3 years.",
        "additionalInfoUri": null,
        "additionalValue": "P3Y"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": "The minimum loan amount available under this product is $10,000.",
        "additionalInfoUri": null,
        "additionalValue": "10000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "The maximum loan amount available for this product is $150,000. The maximum loan amount for vehicles over 7 years old is $50,000.",
        "additionalInfoUri": null,
        "additionalValue": "150000.00"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "The loan term cannot exceed 7 years. The maximum loan term for vehicles over 7 years old is 5 years. ",
        "additionalInfoUri": null,
        "additionalValue": "P7Y"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Where the asset being used to secure the loan is a caravan, the borrower/s must be a home owner.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "Applicants must be at least 18 years old to apply for this loan.",
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia."
      }
    ],
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. Early repayment fees may apply.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Balloon payments are available for fixed secured asset loan, where the asset is an eligible car. Balloon payments are not available where the asset is a caravan. ",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "EXIT",
        "name": "Fixed Rate Early Exit Fee",
        "additionalInfo": "Exit fee is waived if the loan runs to full term or is repaid within the final 12 months of the term. A $500 exit fee applies if the loan is repaid after the first two years, and a $700 exit fee applies if repaid within the first two years.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "500.00",
          "feeMaximum": "700.00"
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Monthly Fee",
        "additionalInfo": "A fee charged monthly on the anniversary of the loan settlement.",
        "additionalInfoUri": null,
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Application Fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PENALTY",
        "rate": "0.015",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Additional loading for borrowers with a low credit profile.",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0784",
        "additionalInfo": "Fixed terms are available for the duration of the loan term, from a minimum of 3 years up to a maximum of 7 years",
        "additionalInfoUri": null,
        "additionalValue": "P7Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0897",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [
          {
            "additionalInfo": "Eligible rate for new or demo caravans no older than 18 months.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0854",
        "additionalInfo": "Fixed terms are available for the duration of the loan term, from a minimum of 3 years up to a maximum of 7 years",
        "additionalInfoUri": null,
        "additionalValue": "P7Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0967",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [
          {
            "additionalInfo": "Eligible rate for used caravans no older than 3 years.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0864",
        "additionalInfo": "Fixed terms are available for the duration of the loan term, from a minimum of 3 years up to a maximum of 7 years",
        "additionalInfoUri": null,
        "additionalValue": "P7Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0977",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [
          {
            "additionalInfo": "Eligible rate for used  caravans no older than 5 years",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "MATURITY"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0894",
        "additionalInfo": "Fixed terms are available for the duration of the loan term, from a minimum of 3 years up to a maximum of 7 years",
        "additionalInfoUri": null,
        "additionalValue": "P7Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.1007",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [
          {
            "additionalInfo": "Eligible rate for used caravans no older than 7 years.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}