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's income appeared low under a standard assessment, even though the employer paid for accommodation, food and fuel.
Credit file
Approximately 550 score with no disclosed default.
The approach
What X Lend did
X Lend found a specialist lender prepared to recognise the unusual employment package and documented the expenses paid directly by the employer.
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 for the full amount at a historical rate of 10.4%, with no deposit.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Documents used
Evidence supplied
- Employment contract
- Signed employer confirmation of paid expenses
- Standard identity documents