The Full Loan Process

All Your Questions, Answered.

All Your Questions, Answered.

We manage your entire loan journey. Our Finance AI pairs you with the right lender, then we handle the paperwork and push for fast approval. Full breakdown below.

Complete your application

Tell us about your living, work, and financial history to get started.

Submit supporting documents

We’ll collect your ID, payslips, bank statements, and privacy consents.

We compile and send to lender

We’ll build your file and submit it for lender assessment.

Conditional approval

The lender may approve subject to further info or documents.

Formal approval

Once conditions are met, your loan is formally approved.

Finalise sale details

Dealer sale: we get the invoice. Private sale: we arrange the inspection.

Sort warranty and insurance

We’ll help with optional warranty or insurance before contracts are issued.

Sign your loan contract

Review and sign your documents. We’ll submit them to the lender to settle.

We take care of the rest

We’ll liaise with the lender, finalise everything, and keep you updated.

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Finance doesn't need to be complicated.

Finance doesn't need to be complicated.

Finance doesn't need to be complicated.

Finance doesn't need to be complicated.

Book a quick call and get a clear look at how X Lend works, what’s included, and whether it fits your situation. Cost free chat , zero obligations.

Book a quick call and get a clear look at how X Lend works, what’s included, and whether it fits your situation. Cost free chat , zero obligations.



Book a quick call and get a clear look at how X Lend works, what’s included, and whether it fits your situation. Cost free chat , zero obligations.



Book a quick call and get a clear look at how X Lend works, what’s included, and whether it fits your situation. Cost free chat , zero obligations.

X Lend Finance Pty Ltd trading as “X Lend” ABN 46 665 041 136 , is an Authorised Credit Representative #546635 of AFAS GROUP PTY LTD, Australian Credit Licence #414426. All loans are subject to eligibility criteria, credit assessment, and lender approval. Terms, conditions, fees, and charges may apply.



X Lend Finance Pty Ltd trading as “X Lend” ABN 46 665 041 136 , is an Authorised Credit Representative #546635 of AFAS GROUP PTY LTD, Australian Credit Licence #414426. All loans are subject to eligibility criteria, credit assessment, and lender approval. Terms, conditions, fees, and charges may apply.



X Lend Finance Pty Ltd trading as “X Lend” ABN 46 665 041 136 , is an Authorised Credit Representative #546635 of AFAS GROUP PTY LTD, Australian Credit Licence #414426. All loans are subject to eligibility criteria, credit assessment, and lender approval. Terms, conditions, fees, and charges may apply.