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 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.
The approach
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 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 9.79%, with no deposit or balloon.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Documents used
Evidence supplied
- Standard payslips
- Bank statements
- Private-sale vehicle documents