We bridge the gap from one option, to hundreds.

From everyday mums and dads to full scale construction businesses, X Lend is committed to making sure that you receive a better loan then anywhere else. All with full clarity, control and confidence.

Request a consultation

Get a Quote

STEP 1

Complete your initial 60 second quiz

Completing the 60 second quiz gives your consultant a better understanding of what your goals and objectives are. We look at your situation and figure out the best way to structure your loan. The right setup can save you money and make repayments easier.

Start Your Quote

Quote details

Car Loan

13 Jul, 2025, 09:44 AM

$32,545.59

Your Consultant Reaches Out to Confirm Details

We'll give you a call to go over everything and make sure we've got the full picture. Then we review your situation in detail, so that we can move forward with providing you with your quote.

Get Started

Borrowing Capacity

$32,545 / $32,545

100%

Your serviceability is achieveable for the requested amount

Servicing is available for requested loan amount

Edit Loan Amount

Something not making sense? Don't understand how this works from here?

Is your details correct?

Contact Broker

Have Any Questions?

Company income - July

$244,300

Income

Tax

Wages

Costs

Income

We verify your income and employment to understand your borrowing power and what repayments you can comfortably manage.

Income

We verify your income and employment to understand your borrowing power and what repayments you can comfortably manage.

Income

We verify your income and employment to understand your borrowing power and what repayments you can comfortably manage.

Eligibility

We check your credit history, existing debts, and anything else that might affect which lenders are a good fit for you. We always provide the best options we can.

Eligibility

We check your credit history, existing debts, and anything else that might affect which lenders are a good fit for you. We always provide the best options we can.

Eligibility

We check your credit history, existing debts, and anything else that might affect which lenders are a good fit for you. We always provide the best options we can.

What you need

We confirm the loan amount, your ideal timeline, and any specific requirements so we know exactly what we're aiming for. Not happy? Absolutely obligation free.

What you need

We confirm the loan amount, your ideal timeline, and any specific requirements so we know exactly what we're aiming for. Not happy? Absolutely obligation free.

What you need

We confirm the loan amount, your ideal timeline, and any specific requirements so we know exactly what we're aiming for. Not happy? Absolutely obligation free.

Step 3

We Give You Options To Compare and Choose From

We have access to 60+ lenders and we'll sift through all of them for you. We find the ones that actually fit your situation, cut out the crap that doesn't, and lay it all out side by side.

Compare Now

Download Quote

Option 1

Bank of Queensland

$127 a week, 6.55% Comparison Rate

Option 2

Westpac Equipment Finance

$134 a week, 6.75% Comparison Rate

Your Equipment Finance Quote

Compare Each Loan

Every loan will have their own features, little things about why they could be better for your situation andreasons for picking, the choice is yours.

Compare Each Loan

Every loan will have their own features, little things about why they could be better for your situation andreasons for picking, the choice is yours.

Compare Each Loan

Every loan will have their own features, little things about why they could be better for your situation andreasons for picking, the choice is yours.

Options Already Filtered

Your consultant will filter what lenders you are genuinely elible for so that we give you an accurate quote. Pick your best fit from the eligible providers.

Options Already Filtered

Your consultant will filter what lenders you are genuinely elible for so that we give you an accurate quote. Pick your best fit from the eligible providers.

Options Already Filtered

Your consultant will filter what lenders you are genuinely elible for so that we give you an accurate quote. Pick your best fit from the eligible providers.

We List Your Top Options

We break down each loan in plain English. No confusing finance speak, just the facts so you actually know what you're signing up for.

We List Your Top Options

We break down each loan in plain English. No confusing finance speak, just the facts so you actually know what you're signing up for.

We List Your Top Options

We break down each loan in plain English. No confusing finance speak, just the facts so you actually know what you're signing up for.

Join hundreds who refuse to settle for just the one bank

Everyday Aussies are switching away from the one bank model and comparing lenders to get better deals on their finance. Access real rates from 60+ lenders all in the one place, through X LEND.

Everyday Aussies are switching away from the one bank model and comparing lenders to get better deals on their finance.

Access real rates from 60+ lenders all in the one place, through X LEND.

Compare Your Options

Why customers are moving to
X LEND.

Out with the old, in with the new.

Going Direct To A Bank

Limited to one lender's products

Slow, drawn-out approval process

Each application hits your credit score

They work for the bank, not you

Get passed between departments

No negotiating, you get what you're given

Solutions that don't fit your situation

Have issues? Sit on hold for hours.

Built specifically for modern finance operations.

Clean, intuitive interface designed for speed.

One platform — expenses, budgets, vendors.

Smart approval flows with built-in controls.

Real-time insights with budget health indicators.

Up and running in days with guided implementation.

Transparent pricing with everything included.

Dynamic, customizable reports you can actually use.

Going Direct To A Bank

Limited to one lender's products

Slow, drawn-out approval process

Each application hits your credit score

They work for the bank, not you

Get passed between departments

No negotiating, you get what you're given

Solutions that don't fit your situation

Have issues? Sit on hold for hours.

Access to 60+ lenders — we find the right fit

One application, multiple options

We work for you, not the banks

Same-day approvals

One point of contact from start to finish

We protect your credit score — fewer applications, smarter approach

We negotiate rates on your behalf

Solutions tailored to your actual situation

Going Direct To A Bank

Limited to one lender's products

Slow, drawn-out approval process

Each application hits your credit score

They work for the bank, not you

Get passed between departments

No negotiating, you get what you're given

Solutions that don't fit your situation

Have issues? Sit on hold for hours.

Access to 60+ lenders — we find the right fit

One application, multiple options

We work for you, not the banks

Same-day approvals

One point of contact from start to finish

We protect your credit score — fewer applications, smarter approach

We negotiate rates on your behalf

Solutions tailored to your actual situation

Frequently asked questions

Answers to common questions about getting started and using X LEND.

How long does the loan application process take?

Most applications are quick — often approved within 24 to 48 hours. It depends on your lender, loan type, and how fast you get us the info. Our smart lender-matching system helps speed things up, and applying takes less than 10 minutes.

What can a business loan be used for?

Business loans can be used for almost anything — buying equipment, paying suppliers, covering wages, renovations, marketing, or boosting cashflow. If it helps your business grow or stay on track, chances are we can finance it.

I haven't done my taxes yet, can i still get a loan?

Yes, you can. We work with a range of lenders who offer low doc and no doc options for self-employed applicants. Even if your tax returns aren’t up to date, we can usually help. Just give us a few details and we’ll match you with a lender that suits your situation.

Can I buy a car privately on finance?

Yes, absolutely. We can help you finance a car whether it’s from a dealership or a private seller. If you're buying privately, we’ll work with the seller to make sure everything runs smoothly. The process is slightly different to buying from a yard, and we’ll usually arrange an inspection to confirm the car’s condition. Once that’s sorted, we handle the rest to get your funds released quickly.

Do i have to wait for a call?

Once you submit your enquiry, a consultant will reach out within 60 minutes during business hours. You will get a call from a mobile number and that will be your point of contact from there on.

How long does the loan application process take?

What can a business loan be used for?

I haven't done my taxes yet, can i still get a loan?

Can I buy a car privately on finance?

Do i have to wait for a call?

Once you submit your enquiry, a consultant will reach out within 60 minutes during business hours. You will get a call from a mobile number and that will be your point of contact from there on.

How long does the loan application process take?

What can a business loan be used for?

I haven't done my taxes yet, can i still get a loan?

Can I buy a car privately on finance?

Do i have to wait for a call?

Once you submit your enquiry, a consultant will reach out within 60 minutes during business hours. You will get a call from a mobile number and that will be your point of contact from there on.

Book a free consultation

Lets talk about your goals and see how X Lend can simplify your finance journey.

Book a call

Do you prefer email? We're available at:

info@xlend.com.au

Book a free consultation

Lets talk about your goals and see how X Lend can simplify your finance journey.

Book a call

Do you prefer email? We're available at:

info@xlend.com.au

Book a free consultation

Lets talk about your goals and see how X Lend can simplify your finance journey.

Book a call

Do you prefer email? We're available at:

info@xlend.com.au

We bridge the gap from one option, to hundreds.