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X Lend

Finance built
around you.

X Lend compares finance options from a panel of 80+ lenders for car, personal, business and asset finance.

  • Compare options from 80+ lenders
  • No credit check to make an enquiry
  • Direct access to an experienced finance broker
X LendYour next move starts here.
80+

Lenders. One dedicated broker.

Westpac
ANZ
BOQ
Pepper Money
Metro Finance
Plenti
View lender panel
Car. Personal. Business. Asset finance.Get to know X Lend

Built for clear answers
and efficient settlements.

X Lend started with a simple frustration: too many good people were getting knocked back by a single bank's rigid tick box, when a lender down the road would have said yes in a heartbeat. One bank only ever sees your application one way, and that's rarely the way that gets you the best result.

Meet the person behind X Lend

So we built a brokerage that flips that around. We take one application and put it to work across a panel of 80+ banks and nonbank lenders, then place it with the one offering the sharpest rate and the best fit for your situation. X Lend may receive lender-paid commission and may charge an administration fee when finance settles. The fee varies with the complexity of the deal and is disclosed in your Credit Guide and Quote before an application is submitted or loan documents are signed.

Corey has transacted more than 1,000 individual loans across his finance broking career, including roles before founding X Lend. We explain every number in plain English, tell you upfront what's realistic, and only lodge once you're happy to go ahead, so getting an indicative quote does not itself create a credit enquiry.

Initial Finance Discussion
Free
Lenders on Panel
80+
Individual Loans Across Corey's Career
1,000+
Corey Marino, Founder & Finance Broker at X Lend
Corey MarinoFounder & Finance Broker

Corey MarinoYour broker. From day one.

“I built X Lend to give people straight answers, a clear lender strategy and personal support from the first conversation through to settlement.”

Corey founded X Lend to provide direct broker access, straightforward explanations and personal ownership of every deal from enquiry through to settlement.

FBAA member M-354085 · Diploma-qualified finance broker

More about Corey

Qualified, accredited
and recognised.

X Lend combines professional finance broking credentials with direct, personal service from enquiry to settlement.

Industry recognition2025
2025 Lenders Choice NSW and ACT award badge

Lenders Choice award
(NSW & ACT)

Optimise Aggregation Awards

01Finance Broker
Broking since September 2021
02Diploma & Certificate IV
Finance Broking and Mortgage Management
03FBAA Member
Membership M-354085
041,000+ Individual Loans
Across Corey’s broking career

A broker
in your corner.

The reasons clients pick us over walking into their own bank, and why they send their friends.

Talk to us
01

80+ lenders, one application

You complete one form and we compare it across the panel. You see the rate that fits your profile alongside the available lender choices.

02

Your goals shape the comparison

Our accredited panel gives us multiple lender pathways. We select options by matching your situation with lender policy, pricing and structure.

03

Plain English, always

Comparison rates, fees, the real cost over the term, we explain every number so you know exactly what you're signing.

04

No credit hit to enquire

An indicative quote doesn't touch your credit file. We only lodge a formal application once you're happy to proceed.

05

Fast, same day answers

Many applications get a decision the same day, with vehicle and personal finance often settling within 24 hours.

06

Rated 5.0 by clients

100+ five star Google reviews and counting, from everyday borrowers and business owners we've helped get approved.

Finance in
four clear steps.

A clear process, with broker support from the first conversation through to settlement.

  1. 01

    Enquire

    Send us a few details, no documents needed to start. We review the initial position promptly and explain the available finance pathways.

  2. 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.

  3. 03

    Lender Approval

    We package and submit your application, negotiate the terms, and come back to you with a clear approval.

  4. 04

    Settlement

    We handle the paperwork, get your documents signed, and your loan settles, funds released to you or your dealer.

See how we work

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.

5.0★★★★★
Read reviews on Google
NNathan D★★★★★
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.
HHolly Hirsch★★★★★
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!
LLeah Rose Lucas★★★★★
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!
LLouis X★★★★★
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.
BBrendon Crawley★★★★★
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 :)
KKaesha Nijssen★★★★★
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.

Ready to talk through your finance options?

Tell us what you need and we can explain the options, likely costs and next steps before you decide whether to proceed.

  • 80+ lenders
  • No impact to your credit score
  • Dedicated broker support