# National Australia Bank — 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.

> Get current NAB home loan, personal loan, and credit card rates along with product details, then calculate repayments or compare lending options across their full product range. Access live interest rates, business lending information, and rates hub data to make informed borrowing decisions.

**Category:** Finance & Markets | **Website:** [nab.com.au/](https://nab.com.au/) | **Docs:** [parse.bot/marketplace/4a98564b-1d0a-4dca-9e2e-9bd5469af7f0/nab-com-au-api](https://parse.bot/marketplace/4a98564b-1d0a-4dca-9e2e-9bd5469af7f0/nab-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/national-australia-bank/`
**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 home loan interest rates

Scrape the comprehensive home loan interest rates page, returning all rate tables organized by loan type (variable, fixed, Choice Package, etc.) with LVR tiers. Each table includes rows with interest rate and comparison rate columns.

**Estimated cost:** Metered

_No parameters required._

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

### Get business lending rates

Get business lending interest rates.

**Estimated cost:** Metered

_No parameters required._

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

### Get credit card products

List credit card products from the NAB credit cards page. Returns product names, URLs to product detail pages, and lists of key features for each card.

**Estimated cost:** Metered

_No parameters required._

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

### Get home loan products

List home loan products from NAB's structured content API. Returns product names, descriptions, current interest rates (variable and comparison), key features, and fee schedules. Each product includes multiple rate tiers (e.g. by LVR band) and a unique product_id.

**Estimated cost:** Metered

_No parameters required._

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

### Get home loan rates json

Get the full structured JSON data fragment used by NAB's home loan repayments calculator. Returns all products with complete rate tables (every LVR tier), fee schedules, features, field labels, and calculator configuration. This is the raw data behind NAB's interactive calculator widget.

**Estimated cost:** Metered

_No parameters required._

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

### Get home loan repayment calculator

Calculate repayments and view interest rates for home loans using the NAB GraphQL API.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `borrowing_amount` | string | No | Amount to borrow |
| `loan_purpose` | string | No | Loan purpose (OWNER_OCCUPIED or INVESTMENT) |
| `property_value` | string | No | Estimated property value |
| `repayment_type` | string | No | Repayment type (PRINCIPAL_AND_INTEREST or INTEREST_ONLY) |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/national-australia-bank/get-home-loan-repayment-calculator \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"borrowing_amount":"<string>","loan_purpose":"<string>","property_value":"<string>","repayment_type":"<string>"}'
```

### Get indicator rates other lending

Get indicator interest rates for credit cards, personal loans, and overdrafts from NAB's indicator rates page. Returns multiple rate tables covering current and legacy products with purchase rates, cash advance rates, and comparison rates.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/national-australia-bank/get-indicator-rates-other-lending \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

### Get personal loan products

List personal loan products from the NAB personal loans page. Returns product names, URLs linking to product detail pages, and brief descriptions.

**Estimated cost:** Metered

_No parameters required._

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

### Get personal loan repayment calculator

Calculate repayments for personal loans using the NAB GraphQL API.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `interest_type` | string | No | Interest type (FIXED or VARIABLE) |
| `loan_amount` | string | No | Loan amount |
| `loan_term` | string | No | Loan term in months (e.g., 12 to 84) |
| `rate` | string | No | Interest rate percentage (as found in indicator rates) |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/national-australia-bank/get-personal-loan-repayment-calculator \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"interest_type":"<string>","loan_amount":"<string>","loan_term":"<string>","rate":"<string>"}'
```

### Get rates hub

Browse the NAB interest rates and fees hub page to discover categorized links to rate pages, calculators, and related resources.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/national-australia-bank/get-rates-hub \
  -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.