Credit Guide & Quote

Credit Guide / Quote + Privacy Consent

X Lend Finance Pty Ltd
ABN: 46 665 041 136
ACN: 665 041 136
Level 6, 85 George Street, Parramatta NSW 2150
Phone: 0477 771 508
Email: info@xlend.com.au
Website: www.xlend.com.au

Authorised Credit Representative #546635 of Australian Credit Licence #414426 (AFAS Group Pty Ltd, ABN 12 134 138 686)

Credit Guide Overview

The National Consumer Credit Protection Act 2009 requires us to provide you with a Credit Guide and Quote as soon as it is likely we will provide credit assistance. This document outlines the services we provide, our obligation to ensure credit is not unsuitable for you, possible fees and commissions, and information about third party referral fees.

Services We Provide

Our credit assistance services include:

• Collecting additional information (e.g. employer, accountant, credit reports)

• Identifying and presenting suitable loan options

• Verifying your financial position and assessing suitability

• Preparing, compiling, and submitting the loan application

• Liaising with lenders throughout the approval process

• Supporting you through to loan finalisation

Our Obligations Under the Law

We are required to ensure any credit assistance we provide is not unsuitable for you. This includes:

• Making reasonable enquiries about your financial situation, requirements, and objectives

• Verifying the information provided

• Conducting a Preliminary Assessment to confirm suitability

If a loan is assessed to cause substantial hardship or not meet your needs, we are legally obliged to deem it unsuitable. You may request a copy of your preliminary assessment within 7 years of receiving credit assistance.

Consent and Acknowledgement

By signing, submitting an enquiry, emailing acceptance, or providing documentation, you:

• Accept our quote for credit assistance

• Appoint X Lend to act on your behalf

• Acknowledge our authority to carry out the services outlined in this document

• Confirm receipt of this Credit Guide

Our Quote

We may charge you up to $2,500 (incl. GST) or up to 10% of the Net Amount Financed as an origination fee, payable only if your loan proceeds. This fee is either:

• Paid directly to us

• Included in the loan amount (increasing your loan balance)

Our Consumer Credit Providers

We source finance from a broad panel of lenders. Here are 6 common lenders and their typical fees:

LenderApp FeeMonthly FeePPSR FeePlenti$499$9.90$6.80Pepper$449$8.90$8.00RACV$550$0.00$0.00Firstmac$400$8.00$0.00AFS$495$15.00$17.60Liberty$495$7.70$8.00

Some second-tier lenders may charge a risk fee between 1% to 10% of the vehicle price.

Complaints

If you are dissatisfied with our service:

Internal Dispute Resolution
Email: complaints@xlend.com.au
We aim to resolve complaints quickly and fairly.

External Dispute Resolution
If not resolved within 45 days, contact:

Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: GPO Box 3, Melbourne VIC 3001
Membership Number: 546635

Privacy Officer Contact

The Privacy Officer
X Lend Finance Pty Ltd
Level 6, 85 George Street, Parramatta NSW 2150
Phone: 0477 771 508
Email: info@xlend.com.au

Privacy Disclosure & Consent

We collect personal and credit information to:

• Assess your application or guarantor position

• Source suitable finance or insurance

• Comply with legal and credit reporting obligations

We may disclose your data to:

• Credit reporting bodies (CRBs)

• Credit providers and insurers

• Third-party contractors and service providers

• Referrers or associated entities offering related services

Electronic Communication Consent

By consenting to electronic delivery, you understand:

• Paper documents may not be sent

• You must check your email regularly

• You may withdraw this consent at any time

We may send credit guides, loan contracts, and legal notices to your nominated email address.

Providing Information About Others

If you give us personal information about another person, you confirm you have their consent and that they understand how their information may be used.

Authorisation

By signing or submitting information, you authorise us to:

• Obtain your credit information from a CRB

• Provide it to lenders, insurers, or related parties as required

• Act as your agent in managing the credit application process

• Contact you with offers of products or services (unless you opt out)

Schedule of Credit Providers

We may submit applications to one or more of the following providers:

Schedule of Credit Providers