Used car finance that keeps up with the deal.
Dealer lot, ex-fleet bargain or a private Marketplace find — one application puts 80+ lenders to work and gets you the keys faster.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
Used car finance without the age limits holding you back.
The best value on wheels is often a well-kept used car — but plenty of lenders get fussy about age and kilometres. X Lend is a finance broker: we take one application and compare it across a panel of 80+ banks and non-bank lenders to find one that's genuinely comfortable with the car you've found.
Whether it's a late-model SUV on a dealer lot, an ex-fleet or demo runabout, or a clean private sale you spotted on Facebook Marketplace, we sort the finance around the purchase. Lenders vary enormously on vehicle age, odometer readings and private sales, so matching your car to the right one is where a broker earns its keep — and we can get you pre-approved first so you negotiate like a cash buyer.
Because we're not tied to a single lender, you're not stuck with one bank's view of an older car. We explain every number in plain English, handle the extra checks a private sale needs, and only lodge once you're happy to proceed — so getting a quote never costs you a credit enquiry.
Why finance your used car through X Lend.
80+ lenders, one application
We compare banks and specialist lenders in one go, including those relaxed about older cars — not just one bank's offer.
Age and kilometres sorted
Lenders differ hugely on vehicle age and odometer limits, so we match your car to one that's comfortable with it.
Dealer, ex-fleet or private sale
Used lot, ex-demo, ex-fleet or a private Marketplace bargain — we arrange finance either way, with no penalty for buying used.
Private-sale checks handled
We confirm the seller and that the car is clear of any existing finance, so a private deal settles cleanly.
Get pre-approved first
Know your budget before you inspect, so you can move fast on a good used car and negotiate like a cash buyer.
Sharp, transparent rates
We show you the comparison rate, not just the headline number, so you see the real cost over the term.
What you can finance.
If it's pre-owned and priced right, there's usually a lender for it. We regularly arrange finance for:
- Used cars from a dealership
- Ex-demo, ex-fleet and ex-lease vehicles
- Private and Facebook Marketplace sales
- Older cars and higher-kilometre vehicles
- Used SUVs, utes and 4WDs
- Used electric and hybrid vehicles
- Trade-in plus finance on the balance
- Refinancing an existing used car loan
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or the seller.
Common questions, straight answers.
We're a finance broker: we compare a panel of 80+ banks and non-bank lenders and place your used car loan with the one offering the best fit and rate for the car you've chosen.
Usually, yes. Lenders differ on vehicle age and kilometres, which is exactly why comparing 80+ of them helps — we match your car to a lender that's comfortable with it rather than letting one bank's policy decide.
Yes. Plenty of our lenders fund private sales, not just dealership purchases. We handle the extra checks — confirming the seller and that the car is clear of any existing finance — so the deal settles smoothly.
It depends on the lender. Some cap the car's age at the end of the term, while others have no upper limit at all. Because we compare 80+ lenders, we can usually find one comfortable with an older vehicle — and an unsecured loan generally sidesteps the question entirely.
No. An indicative quote from us doesn't touch your credit file. A formal application involves a credit check, but we only lodge with a lender once you're happy to go ahead.