{
  "source": "https://public.cdr.volvo-financialservices.com.au/cds-au/v1/banking/products/30cae6c7-eb6b-4621-ac9c-d0422ff02c23",
  "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.volvocars.com/au/l/financial-services/personal/consumer-loan/",
      "feesAndPricingUri": "https://www.volvocars.com/au/l/financial-services/personal/consumer-loan/",
      "overviewUri": "https://www.volvocars.com/au/l/financial-services/personal/consumer-loan/",
      "termsUri": "https://www.volvocars.com/au/l/financial-services/personal/consumer-loan/"
    },
    "applicationUri": "https://www.volvocars.com/au/l/financial-services/personal/consumer-loan/",
    "brand": "Volvo Car Financial Services",
    "constraints": [
      {
        "additionalInfo": "Please refer to Volvo Car Financial Services for more information",
        "constraintType": "OTHER"
      }
    ],
    "description": "Consumer Loan is a convenient and flexible option for people who use their cars for predominantly, personal use. It allows you to borrow up to 100% of the funds needed to purchase a new car. You make regular repayments back to Volvo Car Financial Services to pay back the money you borrowed.",
    "eligibility": [
      {
        "additionalInfo": "Please refer to Volvo Car Financial Services for more information",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Deposit Contribution , Balloon, Refinance, Additional Repayments.   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": "2026-07-02T14:01:17Z",
    "lendingRates": [
      {
        "additionalValue": "P5Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0935",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0862",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      }
    ],
    "name": "Consumer Loan",
    "productCategory": "PERS_LOANS",
    "productId": "30cae6c7-eb6b-4621-ac9c-d0422ff02c23"
  }
}