5-Star customer satisfaction
A perfect customer rating built on clear communication, personal service and dependable support.
Unlock finance options from over 80 lenders
- Quotes without credit score impactNo credit score impact for your quote
- Expert support for bad credit and bankruptcyExpert support for bad credit applications
- Compare 80+ lenders with one simple enquiryCompare 80 lenders with one enquiry
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Why X Lend is your best bet for better finance.
An award-winning brokerage, built for everyday Australians.
Contact the team80+ lenders to compare
A wide panel gives us more ways to find a suitable option for straightforward or complex credit.
Qualified and accredited
X Lend is an AFCA and FBAA member, supported by Diploma-qualified finance brokers.
Your own consultant
One broker owns your application and keeps you informed from enquiry to settlement.
Careful lender matching
We assess your position before approaching lenders whose policy fits your application.
Fast, practical decisions
Clear next steps and responsive support help keep your finance moving without the runaround.
Click to see more benefits
Your own consultant
One broker owns your application and keeps you informed from enquiry to settlement.
Careful lender matching
We assess your position before approaching lenders whose policy fits your application.
Fast, practical decisions
Clear next steps and responsive support help keep your finance moving without the runaround.
Tell us what you need
Share what you are financing, your timing and a few details about your application.
We compare suitable options
Your broker reviews lender policy and compares suitable options across our lender panel.
Choose, approve and settle
Select your preferred option and we manage the application through to settlement.
Finance for every part of life and business
Choose the type of finance you need and explore the options available through X Lend.
Meet your finance broker
Corey Marino, X Lend's founder and finance broker, personally leads each application from understanding your circumstances and comparing suitable lenders through to settlement.
- Diploma qualified broker
- FBAA member
- AFCA member
We partner with 80+ of Australia's top lenders
View our lender panel
Hear from over 100 of our previous clients
Straight answers, fast communication and a broker who stays close to the deal from the first question through to settlement.
Don’t look past xLend. Corey is an absolute legend and will get the job done. The customer experience is outstanding, couldn’t recommend him more.
I would highly recommend corey , he made every step of the way easy. He's replies were quick and kept me updated every step of the way . I cannot recommend him enough. Thank you again for making my dream come to reality!
Super helpful, friendly and fast. Secured a bank loan beyond expectations and did all the tricky leg work. Definitely be using their services again. Corey was a legend!
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.
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 :)
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.
A better look into how we overcome complex scenarios
Anonymised actual settled clients from finance that X Lend has arranged through its lender partners. Your individual outcome will depend on the application and lender criteria.
Personal Finance$39,000 settledA new LDV D90 after only two months in a casual roleThe customer had only been in a casual PAYG role for two months. Their partner was not working, they had two dependent children and they had no previous PAYG employment history to demonstrate continuity.View result →
Business Vehicles$174,000 settledFour Hilux vehicles for a company only one month oldThe business had won a major project and needed four vehicles before contract cashflow began. The new company entity was only one month old and had no established business credit.View result →
Business Lending$90,000 limit settledA debtor facility kept 25 casual workers paid on timeThe company paid 25 casual workers each week while major customers took between 30 and 60 days to pay approved invoices.View result →
Business Lending$180,000 settledA plumbing competitor acquired with specialist business financeThe purchase included both tangible vehicles and equipment and intangible value from the customer book and existing local-government maintenance contracts.View result →Free finance calculators
Use our free finance calculators to run the numbers, see what your repayments could look like and take control of your finances today.
Frequently Asked Questions
Clear answers to help you move forward with confidence.
No. Getting an initial quote through X Lend does not affect your credit score. We compare your position first and explain exactly when a formal lender credit check may be required, so you stay informed and in control.
Yes, it may still be possible. One lender's no does not mean every lender will say no. We can review what happened, strengthen the application where possible and match your circumstances with lenders whose policies may be a better fit.
Yes, this is an area where the right broker can make a real difference. We regularly help people with defaults, previous credit issues, past bankruptcy and other complex situations explore suitable pathways across our lender panel.
We compare suitable options across an accredited panel of more than 80 banks, nonbank lenders and specialist finance providers. It is not every lender in Australia, but it gives us a strong range of trusted options for straightforward and more complex applications.
We can help with a wide range of car, personal, vehicle, asset, equipment and business finance. If your request sits outside our services or lender panel, we will tell you quickly and help point you in the right direction wherever we can.
Yes, a perfect credit score is not the only path to a competitive rate. We look at your full situation and compare suitable lenders to find the strongest option you are genuinely eligible for. Your final rate will depend on the application and lender assessment.