Verified and reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 18 August 2026 · About Corey →
The challenge
What needed to be solved
Several high-rate debts and maxed credit cards were consuming the customer's monthly cashflow, making it difficult to reduce principal or rebuild savings.
Credit file
Approximately 650 score with no disclosed default.
The approach
What X Lend did
X Lend arranged one personal-loan facility to pay out the existing accounts and replace multiple repayments with a single scheduled payment.
The application was approved on the first lender enquiry, avoiding unnecessary applications to multiple credit providers.
The result
Settled outcome
Approved on the first lender enquiry and settled, reducing the average interest rate by about half and materially improving monthly cashflow.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Documents used
Evidence supplied
- Bank statements
- Existing debt and payout details
- Standard income documents