Two of Lagi’s family members depend on her for transport to medical appointments.  

When her car stopped working, Lagi knew life was going to be challenging. A mechanic explained that the car wasn’t worth repairing, so she looked for replacement options.  

Lagi found some suitable cars but they were out of her price range. Several finance companies rejected her application for a loan.  

Friends recommended Lagi get a car from a local dealer. The dealer offered her a loan through their in-house finance.  

Lagi’s work in education and financial services means she knows about good financial decisions. But after weighing her circumstances she felt out of options. The dealer said she needed to put down a deposit while she was there. Lagi borrowed money from family and signed the contract.  

She felt uneasy for a few days. Lagi decided to cancel the contract, and pushed to have her deposit returned. 

Lagi knew she needed to sort out her finances. She arranged to talk with one of Good Shepherd’s team about her situation. Existing debt was putting Lagi too far into deficit and she was not immediately able to get a Good Loan to buy a new car. But her Good Loans Coach, Rosh, helped her with options. 

They talked through a plan to change Lagi’s budget to pay off some high-cost debt, negotiate a plan with her creditors and free up some money to repay a loan for a car, and consolidate a larger debt she was struggling to get on top of.  

Lagi planned to reduce her debt over a month but managed to clear it within two weeks. With enough surplus in her budget, Lagi had a car loan confirmed and bought a car. She felt really good about getting her family where they need to be.

“I can’t find words to express my gratitude for Good Shepherd. I have already started spreading the word to my community”.