{
  "source": "https://openbanking.movebank.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": "OTHER",
        "additionalInfo": "Weekly, fortnightly or monthly repayment options"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "5000.00",
        "additionalInfo": "Minimum loan amount $5,000"
      },
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "25000.00",
        "additionalInfo": "Maximum loan amount $25,000"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Loan Purpose - Personal"
      }
    ],
    "fees": [
      {
        "name": "PERSONAL_LOAN_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://movebank.com.au/quick-links/fees-charges/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1374",
        "comparisonRate": "0.148",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ADVANCE",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfoUri": "https://movebank.com.au/quick-links/interest-rates/"
      }
    ],
    "productId": "Personal_Loan",
    "effectiveFrom": "2021-02-01T00:00:00.000+10:00",
    "lastUpdated": "2025-10-07T11:37:37.000+10:00",
    "productCategory": "PERS_LOANS",
    "name": "Personal Loan",
    "description": "Personal Loan",
    "brand": "MOVE Bank (Railways Credit Union Lt",
    "brandName": "MOVE Bank (Railways Credit Union Lt",
    "applicationUri": "https://movebank.com.au/products/personal-loans/personal-loan/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://movebank.com.au/products/personal-loans/personal-loan/",
      "termsUri": "https://movebank.com.au/products/personal-loans/personal-loan/",
      "eligibilityUri": "https://movebank.com.au/products/personal-loans/personal-loan/",
      "feesAndPricingUri": "https://movebank.com.au/quick-links/fees-charges/"
    }
  }
}