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
The customer had only been in a casual PAYG role for two months. Their partner was not working, they had two dependent children and they had no previous PAYG employment history to demonstrate continuity.
Credit file
No adverse credit issue was disclosed; the main obstacle was the short PAYG employment period.
The approach
What X Lend did
X Lend used the customer's previous self-employed documents to demonstrate relevant industry experience and explain the move into the new casual position.
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 for the full $39,000 at a historical rate of 8.5%, with no deposit required.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Documents used
Evidence supplied
- Previous self-employed income documents
- Current employment evidence
- Standard identity documents