X Lend
Construction cranes silhouetted against a deep blue dusk sky

Finance thatactually getsapproved

Compare 67+ lenders with X Lend and access
competitive finance with rates from
6.14% p.a. — we arrange anything
and everything, from personal
loans to business finance.

I'm afterchoose belowfinance.

67+ lenders · rates from 6.14% p.a. · no credit-score impact

Get my free quote
01About Us

The finance broker built for fast yeses, not slow maybes.

A trusted partner to borrowers and business owners across Australia. With a deep lender panel and years of credit experience, we turn “come back when your numbers look better” into funds in your account.

Applications Approved
97%Applications Approved
Lenders on Panel
67+Lenders on Panel
Customers Helped
550+Customers Helped
Excavator working on a construction site
03Our Process

Approved in three simple steps.

Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.

  1. 01

    Apply

    Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.

  2. 02

    Approved

    We take your deal to the lenders most likely to say yes, negotiate the rate, and bring you a clear recommendation. No guesswork.

  3. 03

    Funded

    We handle the paperwork and settlement. The money lands in your account or with the dealer — you just sign.

Small-business owner behind the counter of a cafe
04Recent Approvals

Real deals. Real approvals. Real fast.

Recent finance arranged for everyday Australians and growing businesses.

Approved

Car Finance — Novated Lease

Brisbane, QLD

$68,000

Approved in 4 hours.

Approved

Equipment Finance — Excavator

Penrith, NSW

$145,000

0% deposit, full tax write-off.

Approved

Business Loan — Working Capital

Melbourne, VIC

$250,000

Funded in 48 hours.

Approved

Personal Loan — Debt Consolidation

Adelaide, SA

$45,000

Rate cut from 22% to 9.9%.

Illustrative recent approvals. Individual outcomes vary by lender, security and credit profile.

05Google Reviews

Rated by real clients.

Pulled live from our Google Business profile — the rating, count and reviews below update automatically.

5.0

From 103 Google reviews · updates automatically

Read all reviews on Google

Thomas Cartwright

6 months ago

I was trying to get a loan for my dream car but was struggling getting approved with my bank but Corey was extremely helpful throughout the entire loan process. He followed up with multiple lenders, secured me a much better interest rate than my initial CommBank offer, and stayed persistent on my behalf. He kept me updated every step of the way, and I genuinely don’t think I would have been approved without his support. The customer service was very professional and friendly. Highly recommend to everyone

Kaesha Nijssen

3 months ago

Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle—even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.

Rachelle Hudson

3 months ago

My first experience with a broker, Corey made the whole process so smooth and simple and stress free. Communication was outstanding, he explained everything so I could understand what was happening as it was happening and kept me in the loop for the whole process, he was so kind and friendly and happy to answer any questions I had. He went above and beyond what I expected and has helped me greatly with his expertise. It was a fast process from start to finish and will definitely be using X lend for any future financial matters! Thanks Corey!

Brendon Crawley

3 months ago

I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was—keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)

Louis X

3 months ago

Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.

Louis X

3 months ago

Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.

Brendon Crawley

3 months ago

I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was—keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)

Rachelle Hudson

3 months ago

My first experience with a broker, Corey made the whole process so smooth and simple and stress free. Communication was outstanding, he explained everything so I could understand what was happening as it was happening and kept me in the loop for the whole process, he was so kind and friendly and happy to answer any questions I had. He went above and beyond what I expected and has helped me greatly with his expertise. It was a fast process from start to finish and will definitely be using X lend for any future financial matters! Thanks Corey!

Kaesha Nijssen

3 months ago

Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle—even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.

Thomas Cartwright

6 months ago

I was trying to get a loan for my dream car but was struggling getting approved with my bank but Corey was extremely helpful throughout the entire loan process. He followed up with multiple lenders, secured me a much better interest rate than my initial CommBank offer, and stayed persistent on my behalf. He kept me updated every step of the way, and I genuinely don’t think I would have been approved without his support. The customer service was very professional and friendly. Highly recommend to everyone

06FAQ

Common questions, straight answers.

X Lend is a finance broker — an authorised credit representative (#551197) of an Australian Credit Licence holder, and the consumer loans we arrange are regulated under the National Consumer Credit Protection Act (NCCP). We compare a panel of 67+ banks and non-bank lenders and place your deal with the one offering the best fit and rate.

It depends on the loan type and your situation, but our panel covers $5,000 personal loans through to $5M in business and asset finance. We'll tell you your realistic borrowing power upfront.

Getting an indicative quote from us doesn't touch your credit file. A formal application with a lender does involve a credit check — we only lodge once you're happy to proceed.

Many applications get a same-day decision. Vehicle and personal finance can settle within 24 hours; business and equipment deals typically 48 to 72 hours.

To start, almost nothing — just a few basic details. Once we've matched a lender, you'll usually need ID, recent payslips or business financials, and bank statements. We tell you exactly what's required for your specific deal.

Often, yes. Our non-bank lenders consider applications that the major banks decline. We're upfront about what's achievable before you apply, so you don't waste a credit enquiry.

Rates depend on the lender, the security, and your credit profile. We shop your deal across the panel to find the sharpest rate available to you, and we show you the comparison rate, not just the headline number.

For most consumer and vehicle loans, we're paid a commission by the lender, so our service is free to you. Where a fee applies (some commercial deals), we disclose it in writing before you commit.

Need finance that actually gets approved?