{
  "source": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EMONEY_SECURED_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": "DIGITAL_BANKING",
        "additionalInfo": "SCCU NetBanking"
      },
      {
        "featureType": "REDRAW"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "20000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "150000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Y",
        "additionalInfo": "Must be an Australian resident"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Capacity to repay the loan"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Acceptable asset offered to secure loan"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Available only to business introduced through Emoney."
      }
    ],
    "fees": [
      {
        "name": "PERSONAL_LOAN_SECURITY_VARIATION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "When there is a variation made to the security used for an existing loan agreement. For example you change the vehicle which secures your loan."
      },
      {
        "name": "DIRECT_DEBIT_DISHONOUR",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if your direct debit payment is dishonoured due to insufficient funds"
      },
      {
        "name": "PERSONAL_LOAN_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "A one off upfront fee for setting up your loan."
      },
      {
        "name": "REDRAW_IN_BRANCH",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only"
      },
      {
        "name": "MTHLY_PERSONAL_LOAN_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Flat Monthly Fee of $8 for personal or vehicle loans."
      },
      {
        "name": "LOAN_VARIATION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "When there is a variation made to the terms of an existing loan agreement. For example principal reduction, change to loan term."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0824",
        "comparisonRate": "0.0915",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P3Y",
        "additionalInfo": "Fixed for the term of the loan"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0824",
        "comparisonRate": "0.0915",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P4Y",
        "additionalInfo": "Fixed for the term of the loan"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0824",
        "comparisonRate": "0.0915",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P5Y",
        "additionalInfo": "Fixed for the term of the loan"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0824",
        "comparisonRate": "0.0915",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P6Y",
        "additionalInfo": "Fixed for the term of the loan"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0824",
        "comparisonRate": "0.0915",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P7Y",
        "additionalInfo": "Fixed for the term of the loan"
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "EMONEY_SECURED_PERSONAL_LOAN",
    "lastUpdated": "2026-06-09T11:05:31.000+10:00",
    "name": "EMONEY SECURED PERSONAL LOAN",
    "description": "Personal Loan from $20K-$150K with an acceptable asset offered to secure the loan such as a used car.",
    "brand": "S",
    "brandName": "SCCU",
    "isTailored": false,
    "additionalInformation": {}
  }
}