Verified and reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 24 August 2026 · About Corey
What needed to be solved
The customer was two weeks into a new full-time job and had not received a first payslip. They also had an unpaid $3,000 trade-related default, no previous finance history and a severely affected credit score.
Credit file
380 score with one unpaid $3,000 default.
What X Lend did
X Lend used the new employment contract, a payslip from the previous role and the customer's completed university qualification to establish continuity and professional experience for a specialist lender.
The 2026 geely electric vehicle submission was matched to specialist lender and moved from application to settlement in 1 week.
Settled outcome
Approved on the first lender enquiry and settled at a historical rate of 13.65%, with a $3,000 deposit.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Evidence supplied
- New employment contract
- Previous-role payslip
- Qualification evidence
- Vehicle invoice