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Guide to Financial Hardship Assistance 

We get that financial issues can be stressful, but the good news is we’re here to help.

If you’re concerned about your financial situation and would like to speak to us, you can chat to our friendly team on 13 24 85 Mon-Fri 8am-6pm AEST.

What is financial hardship?

Generally, if you’re temporarily unable to meet your repayments on a debt, such as a credit card, personal loan or home loan, this is called Financial hardship.

Some common causes of financial hardship can include temporary unemployment, illness, natural disaster or family breakdown.

The purpose of Hardship Assistance programs are to help our borrowers during these times.

Before you apply for assistance

Hardship Assistance is designed to provide you with financial relief for a short period of time, generally up to 3 months, before resuming your repayments.

If you’re in a situation where you’re temporarily unable to meet your credit contract obligations, seeking Hardship Assistance may help you deal with life so you can get back on track as quickly as possible.

Some Hardship Assistance solutions available are:

  • Reducing or deferring repayments for a period of time
  • Changing the loan to Interest Only
  • Varying your loan set up in other ways

It is important to understand that it is not a long-term solution and does not waive your repayment obligations, meaning you will be expected to return to normal repayments and also agree on a plan to make up the missed repayments

If you are in a situation that will impact your ability to repay your loan for an extended period of time i.e longer than 3 months, please contact us to discuss other long term solutions on 13 25 83 or seek free, confidential financial counseling support through the National Debt Helpline on 1800 007 007 or visit

Contacting Us

Use this online form to request short term repayment relief (1-3 months)

It’s important to understand that hardship assistance is a temporary solution, giving short term relief, before resuming your full scheduled repayments.

Before applying for financial hardship, we recommend reading our helpful guide.

If you beleive you need more than 3 months releif, please discuss your situation with our team by calling 13 24 85 or downloand and fill out this Hardship Assistance Form and email it to