Car Loan

 General Lending Rates

 Product Features

• Redraw

• Other Additional Information: No penalty for paying out early or making extra repayments

• Other Additional Information: Electronic or paper statements available

• Other Additional Information: SMS services

• Loyalty Program

• Other Additional Information: Purchase or refinance a new or used vehicle, up to 7 years old

• Other Additional Information: Loan terms from 1 to 7 years

• Other Additional Information: 100% finance available to approved applicants

• Other Additional Information: Flexible Repayment Options

• Other Additional Information: Fixed repayments to make budgeting easy

• Other Additional Information: Loan amounts from $5000

• Digital Banking

• Other Additional Information: Repay in full at anytime

• Other Additional Information: Car, Caravan or Motorbike eligible security

 Product Eligibility

• Min Age - 18.

• Residency Status - Australian Permanent Residents And Citizens.

 Bank Fees and Charges

• Application Fee (Upfront), Amount: 0.00. Additional Information: Application Fee Waiver Campaign between 1/10/24 - 30/11/24

• Default Fee - If Payment Remains Outstanding After Its Due Date (Event), Amount: 30.00.

• Monthly Administration Fee (Periodic), Amount: 0.00.

• Ppsr Registration Fee (Variable), Amount: Not Listed.. Additional Information: Fee is charged per PPSR registration

• Ppsr Vin Validation Fee (Variable), Amount: Not Listed.. Additional Information: Fee is charged per PPSR Vin validation

• Heritage Cheque Fee (Withdrawal), Amount: 10.00. Additional Information: Heritage Cheque fee payable to Heritage if credit under this Credit Contract is provided by a cheque drawn by heritage on itself

• Special Request Transaction Listing Fee (Event), Amount: 7.50. Additional Information: Whenever a listing of transactions between two given dates is issued on your account

• Redraw Administration Fee (Withdrawal), Amount: 20.00. Additional Information: If you apply to redraw Payments in Advance other than a request through Online Redraw

• Direct Debit Dishonour Fee (Transaction), Amount: 10.00. Additional Information: If a direct debit authorised to be made from or to your account is dishonoured

• Capital Reduction Recalculation Fee (Event), Amount: 75.00. Additional Information: If you ask Heritage to capitalise payments in advance or payment or proposed payment under the credit contract

• Document/record Search Fee (Event), Amount: 12.00. Additional Information: Whenever Heritage provides a copy of a document relating to your loan at your request or at the request of a security provider

• Ppsr Search Fee (Variable), Amount: Not Listed.. Additional Information: When Heritage carries out a PPSR search on a motor vehicle subject to a security. Fee is charged per PPSR search.

• Enforcement Fee (Event), Amount: 20.00. Additional Information: Payable if we make good on a default under a security by performing a financial obligation (such as payment of an insurance premium or rates).

• Renegotiation Fee (Event), Amount: 250.00. Additional Information: Payable each time you ask us to vary your credit contract or we offer a new credit contract to you.

• Collateral Security Preparation Fee (Event), Amount: 100.00.

• Change Of Term Fee (Event), Amount: 75.00. Additional Information: Payable if you to ask us to agree or offer to change the loan term.

• Interest Recalculation Fee (Event), Amount: 20.00. Additional Information: Payable if you request us to make an interest recalculation on your loan.

• Telegraphic Transfer Fee (Event), Amount: 30.00. Additional Information: Payable if money lent to you is telegraphically transferred within Australia.

• Approval Request Fee (Variable), Amount: Not Listed.. Additional Information: Payable if you ask for our approval under the credit contract or a security in relation to a transaction or proposal.

• Bank Cheque Fee (Variable), Amount: Not Listed.. Additional Information: Cost payable to any bank issuing a bank cheque for settlement on settlement of loan.

 Limitations & Restrictions (Constraints)

• Min Limit of 5000.00

• Max Balance of 100000.00