{
  "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/Fixed_Car_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": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "REDRAW"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "5000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "PERSONAL_CREDIT_&_OVERDRAFT_PACKAGE_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "195.00"
        },
        "currency": "AUD",
        "additionalInfo": "is charged for establishing all personal loans with the exception of Personal Loan Line of Credit",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Personal_Credit_and_Overdraft.pdf",
        "discounts": [
          {
            "description": "Whole of pay to PCU",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          },
          {
            "description": "Visa Credit Card",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          },
          {
            "description": "General Insurance",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          },
          {
            "description": "10 years PCU membership",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          },
          {
            "description": "Savings / Investments held with PCU for 3mths or over",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          },
          {
            "description": "Former <18yr old Members",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "420.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          }
        ]
      },
      {
        "name": "PERSONAL_PROPERTY_SECURITY_REGISTER_FEE",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we apply to search or register a security interest to the PPS Register. $8.00 (<7yrs) $25.00 (7yrs or over)",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Personal_Credit_and_Overdraft.pdf"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0724",
        "comparisonRate": "0.074",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P84M",
        "additionalInfo": "50% LVR"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0724",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER"
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "Fixed_Car_Loan",
    "lastUpdated": "2026-04-01T12:49:46.000+10:30",
    "name": "Fixed Car Loan",
    "description": "Fixed Car Loan",
    "brand": "POLICE CREDIT UNION LIMITED",
    "brandName": "POLICE CREDIT UNION LIMITED",
    "applicationUri": "https://www.policecu.com.au/PCUDocuments/Credit_Application_Form_Car_Loans_Personal%20Loans_&_Credit_Cards.pdf",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.policecu.com.au/product-type/car-loans/",
      "termsUri": "https://www.policecu.com.au/rates/",
      "eligibilityUri": "https://www.policecu.com.au/rates/",
      "feesAndPricingUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Personal_Credit_and_Overdraft.pdf",
      "bundleUri": "https://www.policecu.com.au/rates/"
    }
  }
}