{
  "source": "https://public.cdr.vwfinancialservices.com.au/cds-au/v1/banking/products/a3f88a0c-fce7-4b5b-9dcb-df91e7f6b483",
  "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.vwfs.com.au/personal-business-finance/business-finance.html",
      "feesAndPricingUri": "https://www.vwfs.com.au/personal-business-finance/business-finance.html",
      "overviewUri": "https://www.vwfs.com.au/personal-business-finance/business-finance.html",
      "termsUri": "https://www.vwfs.com.au/personal-business-finance/business-finance.html"
    },
    "applicationUri": "https://www.vwfs.com.au/personal-business-finance/business-finance.html",
    "brand": "Volkswagen Financial Services",
    "constraints": [
      {
        "additionalInfo": "Please refer to Volkswagen Financial Services for more information",
        "constraintType": "OTHER"
      }
    ],
    "description": "Only available if your vehicle is for predominantly business use. It allows you to borrow the money to purchase your car and make payments back to Volkswagen Financial Services for the money you borrow. There may be tax benefits depending on your situation.",
    "eligibility": [
      {
        "additionalInfo": "Please refer to Volkswagen Financial Services for more information",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Deposit Contribution, Balloon, Refinance, Additional Repayments, Payment Options- Weekly/Fortnightly/Monthly. 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": "590.00"
        },
        "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": "2026-07-02T14:01:12Z",
    "lendingRates": [
      {
        "additionalValue": "P5Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0889",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      }
    ],
    "name": "Chattel Mortgage",
    "productCategory": "BUSINESS_LOANS",
    "productId": "a3f88a0c-fce7-4b5b-9dcb-df91e7f6b483"
  }
}