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X Lend
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How We Work

One application, a broad lender panel and clear support from enquiry through to settlement.

  • One application compared across 80+ lenders
  • Clear explanations of rates, fees and lender options
  • Support from enquiry through to settlement
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On this guide

Last updated: 25 August 2026

This page explains how X Lend arranges finance, how we select the lenders we recommend, how we're paid, and how the figures and content on this website are produced, checked and corrected. It exists so you can judge our information the same way we'd want to if the roles were reversed.

How we arrange finance

X Lend is a finance broker. You share your requirements with us, we assess suitable options from our panel of 80+ banks and nonbank lenders, and we explain the available lender, rate, fee and structure differences. If you choose to proceed, we manage the application through approval, documentation and settlement.

How we select lenders

We compare suitable lenders on our accredited panel, currently 80+ banks and nonbank lenders, not every lender in the Australian market. Panel accreditations change as products and lender appetite change. The public lender directory is representative and is not a promise that every lender will suit or assess every application.

When we match your application, the criteria are:

  • Rate and total cost for your specific profile, not the advertised headline rate;
  • Policy fit, which lenders actually approve applications like yours (asset type, ABN age, credit history, deposit);
  • Speed, how fast the lender moves when timing matters;
  • Structure, balloon options, terms and repayment flexibility that suit the purpose.

How we're paid

X Lend may receive commission from the lender when finance settles. We may also charge an administration fee, which can vary depending on the complexity of the finance arrangement. The administration fee is payable only if your finance settles. You can choose to have it capitalised into the loan where the lender permits, or request to pay it upfront. The amount and payment method are disclosed in your Credit Guide and Quote before an application is submitted or loan documents are signed.

X Lend may receive commission in connection with warranty products, including products supplied by Integrity Car Care, and may pay or receive referral commissions depending on how a customer was introduced. Relevant arrangements are disclosed to the parties involved.

Do commissions influence what we recommend?

The lender we recommend is driven by rate, policy fit and approval likelihood for your profile. We show you the options we shortlist and why, and we disclose the commission for your chosen lender before you sign, so you can see the numbers for yourself and question anything that doesn't look right.

How our figures are kept accurate

The lender panel count (80+) and Corey's career loan total are maintained centrally and reviewed against the relevant internal evidence. The 1,000+ figure refers to individual loans transacted across Corey's finance broking career, including roles before X Lend. Those figures were last confirmed on 25 August 2026 and are next scheduled for review on 8 September 2026. Google rating and review figures are supplied separately by the live public profile feed.

We do not use one generic advertised rate as a substitute for a personalised comparison. Where a specific consumer rate is displayed, we also provide the applicable comparison-rate information and example assumptions. Your actual rate, fees and repayments depend on your circumstances, the finance purpose, the asset, the term and the lender.

Our Google rating and review figures come from our public Google Business Profile, which you can check directly at any time.

How our calculators work

Our calculators produce estimates, not quotes. Each calculator page states the formula and assumptions it uses. Results don't account for your full circumstances and aren't credit assistance or advice, they're a starting point for a conversation.

How our content is written and reviewed

The guides and product information on this site are written by X Lend and reviewed by Corey Marino, our founder, finance broker and FBAA member M-354085. See Corey's profile for his qualifications and experience. Product pages display their last reviewed date. We run a documented fortnightly review of changing claims and review sooner when lender policy, rates, fees, regulations or business details change. A modified date changes only after a meaningful content or source update, not merely because a page was checked.

How we correct errors

If you spot something wrong on this site, a stale rate, a broken figure, a claim that doesn't stack up, email info@xlend.com.au. We correct verified errors promptly and update the page's review date.