{
  "source": "https://public.cdr.skodafinancialservices.com.au/cds-au/v1/banking/products/54f3ec8c-e09c-49bc-ad28-1a32355f0a6d",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.skoda.com.au/finance/guaranteed-future-value",
      "feesAndPricingUri": "https://www.skoda.com.au/finance/guaranteed-future-value",
      "overviewUri": "https://www.skoda.com.au/finance/guaranteed-future-value",
      "termsUri": "https://www.skoda.com.au/finance/guaranteed-future-value"
    },
    "applicationUri": "https://www.skoda.com.au/finance/guaranteed-future-value",
    "brand": "ŠKODA Financial Services",
    "constraints": [
      {
        "additionalInfo": "Subject to Agreed Kilometre and Reasonable Wear and Tear.",
        "constraintType": "OTHER"
      }
    ],
    "description": "Consumer Loan with ŠKODA Choice - Guaranteed Future Value allows you to safeguard the future value of your vehicle. You choose the term and KM limit that suits your needs and we guarantee the future value of your car at the end of the term, subject to fair wear and tear guidelines. You can use Consumer Loan with ŠKODA Choice - GFV with a Consumer Loan finance product.",
    "eligibility": [
      {
        "additionalInfo": "Please refer to ŠKODA Financial Services for more information",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "End of term options: Trade in, Retain or Return.  Also, Early Termination Fee is $850 if paid out within 12 months, then reducing evenly each month to $200",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalValue": "N/A",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "520.00"
        },
        "name": "Loan Establishment Fee"
      },
      {
        "additionalValue": "N/A",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "35.00"
        },
        "name": "Payment Dishonour Fee"
      },
      {
        "additionalValue": "P21D",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "LATE_PAYMENT",
        "fixedAmount": {
          "amount": "35.00"
        },
        "name": "Default Notice Fee"
      },
      {
        "additionalValue": "P21D",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "LATE_PAYMENT",
        "fixedAmount": {
          "amount": "35.00"
        },
        "name": "Late Payment Fee"
      },
      {
        "additionalValue": "N/A",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EXIT",
        "fixedAmount": {
          "amount": "850.00"
        },
        "name": "Early Termination Fee"
      }
    ],
    "isTailored": true,
    "lastUpdated": "2026-07-02T14:01:16Z",
    "lendingRates": [
      {
        "additionalValue": "P5Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0968",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0894",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      }
    ],
    "name": "Consumer Loan with ŠKODA Choice - Guaranteed Future Value",
    "productCategory": "PERS_LOANS",
    "productId": "54f3ec8c-e09c-49bc-ad28-1a32355f0a6d"
  }
}