Often, clients come to us asking for a small loan to solve an immediate problem – but when we take the time to understand what’s really going on, we’re often able to create a solution that delivers far more value in the long run.
This month, two clients reached out with modest requests. By looking at the bigger picture, we were able to reduce repayments, remove financial pressure, and set both clients up for a much smoother road ahead.
Case Study #1 – James’ Debt Consolidation Win
The Need
James applied for $5,000 to pay off his credit card. On its own, it seemed like a straightforward request to tidy up one debt and free up a bit of breathing room.
The Challenge
When we reviewed James’ finances, we noticed he had missed a couple of payments on his UDC car loan, which was a sign that things were starting to feel tight. While paying off the credit card would help short term, it wouldn’t address the bigger issue – multiple repayments putting pressure on his weekly budget.
The Solution
Instead of approving just the $5,000, we looked at a smarter option. We submitted an application for $40,000 to pay off the car loan, clear the credit card, and provide extra cash for Christmas.
The new loan came back with a strong interest rate of 14.95% and delivered an immediate improvement. James’ repayments dropped by around $100 per week, and by paying out the car loan, his vehicle became freehold, giving him more flexibility going forward.
James was extremely satisfied with the outcome – what started as a simple credit card payoff turned into a solution that significantly eased his financial pressure.
Case Study #2 – Lauren’s New-Car Upgrade
The Need
Lauren applied for a $3,000 loan to repair her vehicle. Another seemingly straightforward request.
The Challenge
After talking things through, Lauren explained that the car was older and had been causing ongoing issues. In fact, she’d already spent around $10,000 on repairs over the past year alone.
Continuing to pour money into an unreliable vehicle wasn’t sustainable. While the $3,000 would fix the immediate problem, it wouldn’t stop the cycle of breakdowns, stress, and ongoing costs and that’s where a smarter solution was needed.
The Solution
After talking through her situation, we suggested a different approach. Instead of another repair, we applied for a $20,000 loan so Lauren could replace her old car with a newer, more reliable vehicle.
She was thrilled, and genuinely surprised, to learn she qualified for the larger amount. The new loan gave her the freedom to move on from a car that had become a financial drain and step into something far more dependable.
Lauren was stoked with the result and relieved to finally leave the constant repair bills behind.
Do you have a sticky financial problem you just don’t know how to solve?
Get in touch with our friendly team today for a free loan consultation. We’ll have a chat with you about your situation and help you find a positive solution.
