{
  "source": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/568",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "568",
    "lastUpdated": "2026-07-08T21:55:57Z",
    "productCategory": "PERS_LOANS",
    "name": "Fixed Rate Car Loan",
    "description": "Take out a secured car loan with RACQ Bank so you have the flexibility to choose a car that is suited to your lifestyle. Car finance with RACQ Bank means you'll receive the same low interest rates for car loans on new or used cars.",
    "brand": "RACQ Bank",
    "brandName": "RACQ Bank",
    "applicationUri": "https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=personal-loan",
    "isTailored": false,
    "additionalInformation": {
      "feesAndPricingUri": "https://www.racq.com.au/banking/forms-and-documents"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "3000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be an Australian Resident"
      }
    ],
    "fees": [
      {
        "name": "Default Enforcement Expenses",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "May apply if enforcement services are required as part of default administration.",
        "additionalInfoUri": "https://www.racq.com.au/banking/forms-and-documents"
      },
      {
        "name": "Document Preparation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "120.00"
        },
        "currency": "AUD",
        "additionalInfo": "Document Preparation Fee includes document generation, distribution of documents, verification of documents and verification of search requirements.",
        "additionalInfoUri": "https://www.racq.com.au/banking/forms-and-documents"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.0819",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "additionalInfo": "Available for new lending only. For used cars the maximum fixed rate car loan term is 5 years. Car must not be older than 12 years at the end of the loan term.",
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0836",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.0819",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "additionalInfo": "For cars under 2 years old.  For used cars the maximum fixed rate car loan term is 5 years. Car must not be older than 12 years at the end of the loan term.",
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0836",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.0819",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "additionalInfo": "For cars over 2 years old.  For used cars the maximum fixed rate car loan term is 5 years. Car must not be older than 12 years at the end of the loan term.",
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0836",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER"
      }
    ]
  }
}