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Featured member story · Debt relief
“The light was not getting near”: Minka’s path to one repayment
Two credit cards became one repayment. The part she didn’t expect was how much lighter she felt.
Read Minka’s storyReal people. Real financial turning points.
There is no single way to get on top of money. Read how WeMoney members have handled debt, family pressure, forgotten spending and the moments that made them change course.
Watch their stories
Real members, in their own words
These are the cleared video stories featured on the WeMoney homepage. The animated previews bring each story to life; videos open only when selected.
Credit cards and consolidation
Different debts, different lives and no guaranteed outcome, just the decisions these members made in their own circumstances.
“Left with 90 bucks to survive”
Aimy was juggling credit cards, Afterpay, Zip and Latitude between apps and calculators every payday. Her own account of rolling them into one repayment, and why she picked the lender her friend had used.
Aimy, 22 (WA) · 4 min read
Read Aimy’s story“I couldn’t keep up. It was killing me”
Annabelle was paying two credit cards every month and watching the balances stay put. Her own account of getting one view of her whole position after a divorce, and turning the cards into a repayment with an end date.
Annabelle, 37 (VIC) · 5 min read
Read Annabelle’s story“I don’t even feel the pinch”
Anand was carrying close to $34,000 across several credit cards and paying $1,200 to $1,300 a month for it. WeMoney matched him to a lender that rolled the cards into one loan and brought his fortnightly repayments down to about $325 to $350.
Anand, 38 (NSW) · 6 min read
Read Anand’s story“It’s not something I want to be doing long term”
Dean let the WeMoney app sit unused for close to a year before a small loan need brought him back to it. Latitude rolled several of his loans into one repayment, which he says made weekly tracking easier and brought the collective rate down.
Dean, 36 (NSW) · 4 min read
Read Dean’s story“You can’t get blood from a stone”
Ellen came out of the family court system close to $200,000 down by her count, with a maxed credit card carrying the strain. Her own account of moving the balance to one fixed repayment, closing the card, and why the debt no longer costs her sleep.
Ellen, 46 (VIC) · 4 min read
Read Ellen’s storyDeclined by a bank, approved elsewhere
A decline from one lender reflects that lender’s criteria, not the whole market. These members were turned down before WeMoney matched them with someone who said yes.
“I was just another number”
Deborah had a permanent government job, a good wage and a long credit history, and two banks still declined her without a reason. WeMoney matched her with a lender who said yes, and she cleared everything.
Deborah, 59 (QLD) · 6 min read
Read Deborah’s story“I had to rip the band aid off”
Sebastian’s own bank wouldn’t let him consolidate a buy now pay later balance and a credit card into his existing loan for another year. He found WeMoney through an Instagram ad and was approved within a day.
Sebastian, 36 (VIC) · 8 min read
Read Sebastian’s story“They helped me out when the bank didn’t”
K.’s own bank turned him down for a car loan once his mortgage and investment property had stretched his serviceability too far. His own account of getting matched with a lender he’d never heard of.
K., mid-40s · 7 min read
Read K.’s storyBuy now pay later and payday loans
Buy now pay later and payday balances can look small on paper and still take over a budget. Here is how two members closed them for good.
“A trap, a massive trap”
Afterpay filled the gap in Helen’s first Christmas alone, then kept taking the fortnight. Her own account of closing the traps, refinancing a 17% loan she’d stopped seeing, and starting to invest at 50.
Helen, 50 (VIC) · 6 min read
Read Helen’s story“I honestly didn’t think I’d qualify”
Michelle went bankrupt during COVID and spent four years on a payday loan she could never quite clear, because she believed it was all she deserved. Her own account of consolidating it, and the trip she did not think she would ever afford.
Michelle, 59 (SA) · 6 min read
Read Michelle’s storyComparing your options
Not every member here consolidated debt. Some refinanced a single loan, compared offers and chose to wait, or borrowed for the first time with their eyes open.
“I didn’t even know that was a thing”
Malcolm was told once that his car loan was the best rate available, and believed it for years. His own account of refinancing it from about 11% to about 6%, and why debt stopped feeling like a trap.
Malcolm, 39 (VIC) · 4 min read
Read Malcolm’s story“Can you just pay less rent?”
Emily’s outgoings had grown larger than her wage, and the advice she got from her own bank was to pay less rent. Her own account of refinancing the car loan behind it, and what she got back.
Emily, 28 (QLD) · 5 min read
Read Emily’s story“It wasn’t a bad rate, it just didn’t justify it yet”
Andres compared debt consolidation offers for a personal loan and two credit cards and was approved. He decided the numbers did not add up enough to switch yet, so he is holding off and watching for a better offer.
Andres, 34 (NSW) · 7 min read
Read Andres’s story“For the first time ever, I have more than five figures in savings”
Nick spent years juggling six bank accounts, two credit cards and a car loan with no clear view of where he stood. WeMoney matched him with a lender that combined it all into one loan at a lower rate.
Nick, 31 (ACT) · 6 min read
Read Nick’s story“Everything under one umbrella”
Ashish had never taken out a loan before and was clearing his credit card in full every month. When he needed his first car finance, WeMoney showed him lender options to compare and the loan settled within about two days.
Ashish, 37 (NSW) · 5 min read
Read Ashish’s storyFamily and health turning points
School, separation, legal costs and a body that needed time to heal can redraw a household budget overnight.
“Where am I gonna cut the money from?”
Jenny had two weeks to pay for her son’s course or lose one of ten places. Her own account of checking WeMoney wasn’t a scam, borrowing exactly what the deadline needed, and being asked no more than what it was for.
Jenny, 45 (WA) · 4 min read
Read Jenny’s story“You can, and I did”
Rachel grew up week to week and assumed that was her lot. Her own account of saving a deposit as a single parent, buying her home, and closing the credit cards for good.
Rachel, 41 (QLD) · 5 min read
Read Rachel’s story“I’m not ashamed to have debt anymore”
Theresa left a financially abusive marriage carrying loans in her own name, and declared bankruptcy just before COVID. Her own account of rebuilding, borrowing again on her own terms, and getting down to one repayment.
Theresa, 57 (VIC) · 5 min read
Read Theresa’s story“I was so bloody relieved”
Facing her eighth surgery for an old workplace injury, Sam needed to consolidate four loans and cover the income gap while she finally took the recovery time her doctors recommended, after the big banks turned her down.
Sam, 35 (NSW) · 6 min read
Read Sam’s storySeeing where the money goes
Sometimes the turning point is not earning more. It is finally seeing the pattern.
“Where did my money go?”
Lily has kept a budget since her first job at 16 and still lost track some weeks. Her own account of getting her spending, subscriptions and credit score into one place, and borrowing for a car with her eyes open.
Lily, in her twenties · 5 min read
Read Lily’s story“Why are you smiling?”
Bailey had two loans and an Afterpay balance all pulling from the same weekly pay, right as he moved into his first place. His own account of consolidating them, and the call that came through at lunch in Brisbane.
Bailey, 22 (NSW) · 4 min read
Read Bailey’s story“I don’t have to cry in the shower anymore”
Katie was selling her own possessions to buy groceries and working out whether she would have to give up her house. Her own account of consolidating close to $1,000 a fortnight into one repayment, and what relief actually looked like.
Katie, 38 (VIC) · 6 min read
Read Katie’s story“I’m just paying for the interest, not really the loan”
A breakup left Luche starting over with $800 to her name, and a credit card carried her through it. Her own account of folding the debt into one repayment, and being honest that she signed without comparing the rate first.
Luche, 33 (VIC) · 6 min read
Read Luche’s storyWant the unfiltered picture?
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