About X Lend
Finance that works for you, not the banks.
X Lend is an Australian finance broker. We take one application, compare a panel of 80+ lenders, and place your deal with the one that says the best yes — for car, personal, business and asset finance.
Built for fast yeses, not slow maybes.
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.
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 non-bank lenders, then place it with the one offering the sharpest rate and the best fit for your situation. Because we're paid by the lender on most deals, our service is usually free to you — and because we're not tied to any one of them, we're free to fight for you.
Today we've helped hundreds of Australians and business owners get finance approved — often the same day. 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 a quote never costs you a credit enquiry.
- Applications Approved
- 97%Applications Approved
- Lenders on Panel
- 80+Lenders on Panel
- Customers Helped
- 550+Customers Helped
Corey Marino — Founder & Finance Broker
Corey founded X Lend to be the broker he wished existed — one who picks up the phone, explains things straight, and treats your deal like it's his own. No call centres, no runaround, no jargon designed to keep you in the dark.
With years of experience in credit and a deep panel of lender relationships, he knows exactly which lenders say yes to which situations — including the ones the major banks are quick to decline. That's the difference between "come back when your numbers look better" and funds in your account.
Every enquiry that comes through X Lend gets that same hands-on attention: an honest read on what's achievable, the sharpest rate your profile can get, and the paperwork handled end to end.
- Authorised Credit Representative #551197
- Diploma of Finance & Mortgage Broking Management
- Tier 2 General Insurance
- Justice of the Peace (NSW)
- FBAA Member
- AFCA Member #101362
A broker in your corner.
The reasons clients pick us over walking into their own bank — and why they send their friends.
80+ lenders, one application
You fill in one form; we shop it across the whole panel. You see the rate that fits your profile, not just one bank's take.
We work for you, not the bank
We're not tied to any single lender, so there's no incentive to steer you anywhere but the best-fit option for your situation.
Plain English, always
Comparison rates, fees, the real cost over the term — we explain every number so you know exactly what you're signing.
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.
Fast, same-day answers
Many applications get a decision the same day, with vehicle and personal finance often settling within 24 hours.
Rated 5.0 by clients
100+ five-star Google reviews and counting — from everyday borrowers and business owners we've helped get approved.
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.