Verified and reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 18 August 2026 · About Corey →
The challenge
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.
The approach
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 application was approved on the first lender enquiry, avoiding unnecessary applications to multiple credit providers.
The result
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.
Documents used
Evidence supplied
- New employment contract
- Previous-role payslip
- Qualification evidence
- Vehicle invoice