Finance that actuallygets approvedFinance thatactually getsapproved
Compare 80+ 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.
Free quote · Under 5 min
I'm afterchoose belowfinance.
80+ lenders · rates from 6.14% p.a. · no credit-score impact
Get my free quoteOne application, compared across 80+ lenders on our panel.
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.
80+ Lenders
One application, compared across our whole panel.
Fast Approvals
Most decisions the same day, funds in 24–72 hours.
Broker on Your Side
We negotiate the rate — you skip the bank queues.
Award Winning
Rated 5.0★ by 103+ clients right across Australia.
One application. Every kind of finance.
Whatever you're buying or building, there's a lender for it. Tell us what you need and we'll match it to the right one.
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or your dealer.
Real deals. Real approvals. Real fast.
Recent finance arranged for everyday Australians and growing businesses.
Car Finance — Novated Lease
Brisbane, QLD
$68,000
Approved in 4 hours.
Equipment Finance — Excavator
Penrith, NSW
$145,000
0% deposit, full tax write-off.
Business Loan — Working Capital
Melbourne, VIC
$250,000
Funded in 48 hours.
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.
Rated by real clients.
Pulled live from our Google Business profile — the rating, count and reviews below update automatically.
From 104 Google reviews · updates automatically
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!
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.
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.
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 80+ 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.
Don’t let your savings fly away.
Contact the X Lend team today and keep your savings, saved.
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