Request for hardship relief

Request for hardship relief

We’re here and want to help you

Please contact us if your financial situation has changed since taking out your loan. By calling us today, we can discuss your change in circumstances and see what options we can offer to help.

Our Collections Team are experienced and understanding, and can be contacted by calling;

1300 324 746

Monday to Friday 9.00 am – 6.00 pm E.S.T

Important information you need to know

Legal action and repossession are our last resort options. Please contact us, and with your co-operation we can avoid such events happening to you. For the best outcome we simply ask for your willingness to communicate and negotiate with us so we can agree to a mutually acceptable plan. By doing so you can protect your credit rating and avoid the costs of recovery action.

Tips for managing your debts

  • Please don’t avoid us.  It will leave us no choice but to commence recovery action, and we would much prefer to resolve this with you.
  • Be aware of your rights and options – call us to discuss
  • Make some regular payments – even small amounts will help
  • Seek free and independent advice from community debt management and legal services or government agencies if you can’t resolve your financial difficulties.

Assessment for Financial Hardship Relief

To apply for Financial Hardship Relief you may be asked to provide some supporting documents such as:

  • Income Documents
  • Payslips
  • Centerlink statement
  • Business activity statement
  • Employment separation certificate
  • Family assistance payments
  • Expenditure Documents
  • Rental receipts or mortgage statements
  • Child support payments
  • Utility bills
  • Fines
  • Other creditor statements
  • Medical Documents
  • Medical certificates stating duration of condition and ability to return to work
  • Medical bills
  • Workers compensation claim
  • Request to access superannuation

If you are experiencing financial hardship, please call us today on 1300 324 746  so we can assist you with the ongoing management of your loan.

Are you eligible to apply?

  • I’m 18 years or older
  • I’m employed (not self-employed)
  • I’m paid $500 or more a week into my bank account
  • My income is not solely from Centrelink
  • I’ve not entered into bankruptcy or part 9 agreement within the last 12 months


It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.

The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.