Finance for life outside of work.
Your next car, a home project or a fresh start. Compare finance with our panel of 80+ lenders and let your broker handle the next steps.
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Our personal finance options
Select an option below to learn more, or if you already know what you need, get started now.
Car loans
Compare new, used, dealer and private-sale car finance.
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Electric vehicle finance
Compare finance for new and used electric vehicles.
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New car finance
Explore options for a new vehicle from a dealership.
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Used car finance
Compare lending for dealer and private sale vehicles.
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Caravan finance
Finance caravans, campers and recreational vehicles.
View finance optionsMotorbike finance
Compare finance for new and used motorcycles.
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Boat and marine finance
Explore finance for boats and eligible marine assets.
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Personal loans
Compare options for planned purchases and expenses.
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Holiday loans
Explore finance for eligible travel and holiday costs.
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Debt consolidation
Combine eligible debts into one clearer repayment.
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Dental loans
Compare finance for eligible dental treatment costs.
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Medical loans
Explore finance for eligible medical expenses.
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Home improvement loans
Compare finance for renovations and home projects.
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Private sale car finance
Finance a car bought directly from an individual.
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Bad credit car loans
Explore realistic car finance options after credit issues.
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Best car loan rates
Compare rates, fees and total repayments on the same structure.
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Bankrupt car loans
Understand finance pathways during or after bankruptcy.
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Secured car loans
Compare vehicle-backed car finance structures.
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Bad credit personal loans
Assess personal loan pathways after credit problems.
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Secured personal loans
Use an eligible asset as security for a personal purpose.
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Jet ski finance
Finance an eligible personal watercraft and trailer package.
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Camper trailer finance
Compare finance for on-road and off-road campers.
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Motorhome and RV finance
Specialist finance for eligible self-propelled RVs.
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Horse float finance
Compare finance for eligible personal-use horse floats.
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ATV and quad bike finance
Recreational finance for eligible off-road machines.
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Compare with the full picture.
- One applicationTell us what you need once. We use those details to assess suitable options across our lender panel.
- Options matched to youWe consider your circumstances, the purpose, the asset and lender criteria before recommending a path.
- Clear costs before you chooseWe explain the proposed rate, fees, repayments and structure so you can make an informed decision.
- One contact through settlementYour X Lend contact manages the process, keeps you updated and stays available after settlement.
- Access to a broad lender panelWe compare suitable options across more than 80 banks and specialist lenders.
- No obligation to proceedReview the available option and ask questions before deciding whether it suits you.
What moving forward can change
Finance can help solve a practical need sooner. The comparison should also account for what postponing that decision may continue to cost you.
Pros
- Access the vehicle, treatment, project or purchase when it is needed instead of waiting to save the full amount.
- Keep more of your available savings intact for emergencies and everyday expenses.
- Compare lenders, repayments and structures before committing to one option.
Cons
- An unreliable vehicle or unresolved essential expense can continue disrupting work, family commitments and daily life.
- Delaying repairs, treatment or home improvements can allow the underlying cost to grow.
- Paying the full amount from savings can leave less financial buffer for unexpected expenses.
Personal finance questions
Clear answers before you decide what to apply for.
A bank can only show you its own products and lending criteria. X Lend compares suitable options across a broad panel of banks and specialist lenders, then explains the costs and structure before you decide.
No. We can discuss your circumstances and suitable options before a formal application is lodged. A credit enquiry only occurs when you choose to proceed with a lender.
Straightforward applications can receive a decision quickly, but timing depends on the lender, your circumstances and the documents required. We keep you updated from application through settlement.
Yes. X Lend helps customers with past credit issues, including car-finance options for paid and unpaid defaults. Tell us your situation and we'll identify suitable lenders before preparing an application.
Secured finance uses an eligible asset as security and can offer sharper pricing. Unsecured finance is not tied to an asset and may suit other personal expenses. The right structure depends on the purpose and your circumstances.