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 22-year-old customer had no established credit file and their bank statements showed seven dishonours. The vehicle was also being purchased through a private sale.
Credit file
No established score or prior finance history.
What X Lend did
X Lend matched the application with a non-bank lender prepared to assess the employment history, recent conduct and private-sale vehicle together.
The 2014 mitsubishi pajero purchased privately submission was matched to non-bank lender and moved from application to settlement in 4 days.
Settled outcome
Approved on the first lender enquiry and settled for the full amount at a historical rate of 9.79%, with no deposit or balloon.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Evidence supplied
- Standard payslips
- Bank statements
- Private-sale vehicle documents