# Commonwealthbank — Wrapped API

> **You are on:** `https://api.paywithlocus.com/api` | [llms.txt](https://paywithlocus.com/llms.txt) | [docs](https://docs.paywithlocus.com)
>
> Locus runs on multiple environments -- make sure every URL you call matches your expected environment.
> | Environment | Landing | API | Docs |
> |---|---|---|---|
> | Production | paywithlocus.com | api.paywithlocus.com | docs.paywithlocus.com |
> | Beta | beta.paywithlocus.com | api.beta.paywithlocus.com | docs.paywithlocus.com |
> | Stage | stage.paywithlocus.com | api.stage.paywithlocus.com | docs.paywithlocus.com |
>
> If the API URL above doesn't match your expected environment, re-fetch this file from the correct domain.

> Access Commonwealth Bank's loan product listings with real-time interest rates, comparison rates, and fees across home loans and personal loans. Includes current promotional offers, product variations, and LVR-based rate tiers.

**Category:** Finance & Markets | **Website:** [commonwealthbank.com.au/](https://commonwealthbank.com.au/) | **Docs:** [parse.bot/marketplace/1538bd28-f6b3-4fd4-b81e-398c5551cfd5/commonwealthbank-com-au-api](https://parse.bot/marketplace/1538bd28-f6b3-4fd4-b81e-398c5551cfd5/commonwealthbank-com-au-api)

Pay-per-use API proxy for Locus Pro. Each call burns credits from your workspace balance.

## Access

**Base URL:** `https://api.paywithlocus.com/api/wrapped/credits/commonwealthbank/`
**Auth:** `Authorization: Bearer <LOCUS_CREDITS_SECRET_KEY>` (an `lcr_` secret key or a scoped `lcac_` agent credential)
**Required header:** `Idempotency-Key: <fresh UUID per call>`. A retry with the same key replays the stored result without a new charge.
**Response:** the provider response after any endpoint-specific normalization. `X-Locus-Credits-Charged` carries the charge and `X-Locus-Credits-Balance` the remaining balance. Insufficient credits return `402` before the provider is called.
**Pricing:** estimated costs below are USD. Locus debits the credit equivalent at your workspace rate.

Full call contract: https://docs.paywithlocus.com/api-reference/introduction

> Using a Pay With Locus wallet key (`claw_` prefix)? Wallet routes are documented separately: https://docs.paywithlocus.com/wrapped-apis/for-agents

## Endpoints

### Get all loans

Retrieve all loan products (Home and Personal) in a single call. Returns home loan data from CommBank's internal rates API combined with personal loan rates scraped from product pages. Home loans include principal-and-interest and interest-only rates, wealth package variants, and LVR-based margin tiers. Personal loans include detected interest and comparison rates for Fixed, Variable, and Secured products.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/commonwealthbank/get-all-loans \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

### Get home loans

Get detailed home loan rates and variations from CommBank's internal rates API. Returns all home loan products with principal-and-interest and interest-only rates, wealth package variants, LVR-based margin tiers, and fee breakdowns. Each product includes establishment, ongoing, and settlement fees. Fixed-rate products include post-period revert rates.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/commonwealthbank/get-home-loans \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

### Get personal loans

Get personal loan interest and comparison rates by scraping CommBank's personal loan product pages. Returns detected rates for Fixed Rate, Variable Rate, and Secured personal loans. Rates are extracted from the page text using pattern matching on 'X.XX% p.a.' format.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/commonwealthbank/get-personal-loans \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

## Next steps

- [All wrapped API providers](https://paywithlocus.com/wapi/index.md): pick another provider.
- [Find and call tools](https://paywithlocus.com/agent/tools.md): price ceilings, async results, and errors.
- [Credits and billing](https://paywithlocus.com/agent/billing.md): what a call costs and how to add credits.
- [Agent docs index](https://paywithlocus.com/agent/index.md): every Locus agent page.