X Lend

Credit Guide & Quote

Effective date: June 2026

Licensee Details — Contact Details

X Lend Finance Pty Ltd trading as "X Lend" ABN 46 665 041 136 · ACN 665 041 136 Level 6, 85 George Street, Parramatta NSW 2150 Phone: 0477 771 508 Authorised Credit Representative #551197 of Australian Credit Licence #414426 (AFAS Group Pty Ltd, ABN 12 134 138 686)

Credit Guide Overview

The National Consumer Credit Protection Act 2009 states we must provide consumers with a Credit Guide and Quote as soon as practical after it becomes clear we are likely to provide credit assistance. The Credit Guide and Quote contains information on the service we provide, details of our obligations under the NCCP Act 2009 to ensure credit is not unsuitable for your circumstances, maximum fees and charges payable to us by you as the consumer, a guide to the commissions we may receive from credit providers, and details of fees that may be payable by X Lend to third-party referrers.

Services we Provide

Our credit assistance services in sourcing and arranging a suitable loan include:

Our "Licensee" obligations to ensure credit is not "unsuitable"

To help us ascertain a credit contract is not unsuitable, we are required by law to:

If at the time of assessment there is evidence suggesting you are unable to afford the repayments of the credit provided, or the credit provided will cause substantial hardship, or the credit provided will not meet your requirements/objectives, then the credit will be deemed unsuitable.

Due to the importance of proving credit is not unsuitable, we will require a significant amount of information. It is crucial for us to ensure this information is accurate.

To ensure a credit contract is not unsuitable, we will complete a preliminary assessment of your requirements and financial position. We must keep this preliminary assessment for 7 years. You may request a copy of this preliminary assessment within 7 years of the assistance being provided. We are only required to provide a copy of this assessment if we give you credit assistance.

Consent and Acknowledgement

By signing this document, acknowledging acceptance by submitting your enquiry, emailing your acceptance to us, e-signing this document, or responding by sending through your supporting documentation requested for an application, you:

Our Quote for providing you with Credit Assistance

We may charge you up to $2,500 (incl. GST) or up to 10% of NAF as an Origination Fee for our services when providing credit assistance, although this is only payable should the loan proceed. It is a one-off fee, payable at loan settlement. This fee may be paid directly to you, or as part of the loan disbursements. If via loan disbursement, this will increase your loan by the fee amount.

Our "Consumer" Credit Providers

We source credit products from a range of banks, lenders and other credit providers. The table below shows the 6 lenders to whom we introduce the most business. It shows the lenders, their estimated establishment fees and other fees that may be payable. Some lenders may charge a risk fee which can range between 1% – 10% of the car price.

LenderApp FeeMonthly FeePPSR
Plenti$499$9.90$6.80
Pepper$449$8.90$8.00
RACV$550$0.00$0.00
Firstmac$400$8.00$0.00
AFS$495$15.00$17.60
Liberty$495$7.70$8.00

If you have a complaint

Internal Dispute Resolution: Within our business we follow specific procedures to try to resolve any complaints that you may have. If you have a complaint, please contact our office via email at complaints@xlend.com.au. We will try to resolve all concerns quickly and fairly.

External Dispute Resolution: In the unlikely event we cannot resolve your complaint in a satisfactory manner, or you have not received a response from us after 45 days, you can escalate your complaint to the below Ombudsman, a free and independent dispute resolution service provider.

Australian Financial Complaints Authority (AFCA) Free call number: 1800 931 678 A copy of AFCA's dispute resolution policy is available at www.afca.org.au. X Lend's AFCA membership number is 101362.

You can check the information we hold about you at any time by contacting our Privacy Officer.

Privacy Officer — X Lend Level 6, 85 George Street, Parramatta NSW 2150

Overview — Privacy

X Lend Finance Pty Ltd, ACN 665 041 136, ("we", "us", "our") collects information about you for the purpose you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can, consistently with Australia's privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.

We are collecting credit and personal information about you, as applicable, to source for you, or a company of which you are a director:

As your broker, we require the information we collect from you to assess your credit, or guarantor, application or the credit application of a company of which you are a director, source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought we may be unable to process your application, or the company's application, or we may be limited in the other services we can offer you or the company.

Your information — Collection and Credit Reporting Body ("CRB") Disclosures

When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to source a suitable credit provider or lessor/or insurance provider. We may:

The information we obtain from you is used, subject to compliance with Australia's privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.

Credit Providers

As part of providing our services to you, we may undertake tasks for a credit provider which is reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us.

We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in the Schedule at the end of this document.

A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, one or more CRBs. The website of each credit provider contains details of each CRB with which it deals, and the information held about you and describes your key rights.

Your Rights

You have the right to ask:

You can gain access to the information we hold about you by contacting our Privacy Officer at Level 6, 85 George Street, Parramatta NSW 2150, by telephone on 0477 771 508, or email at info@xlend.com.au. In some cases an administration fee may be charged to cover the cost of providing the information.

Our privacy policy is available on our website at xlend.com.au or we will provide you with a copy if you ask us.

Disclosure and Consent

By proceeding, you agree we may use your personal and credit information:

As the law authorises or requires, you agree we may:

You also agree and consent to, as appropriate:

Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company's information, in each of the ways listed above.

Authorisation

By proceeding, you also authorise us to make a request on your behalf to obtain credit reporting information about your consumer and commercial credit worthiness from a CRB. That information will assist us in providing our services to you. This authorisation ceases when we undertake a task on behalf of a credit provider.

Schedule Of Credit Providers