Financial difficulty? You're not alone.

Missed a payment or experiencing financial difficulty?

You are not alone. We are here to help. We know that financial stress can sometimes be a result of unplanned life events such as change of income, illness, a relationship breakdown, reduction in your business cash flow or emergency events like natural disasters.

What to expect: financial hardship

If you’re experiencing financial difficulty and are unable to meet your regular financial commitments, please let us know. Applying online at your convenience allows us to start the process of helping you with the financial support you need.

Please submit your application before 11:59pm on 26 April (Sydney time). After this time, it will expire, and you will need to start again.

Mon-Fri 8:30am-7:30pm (EST), Sat 9:30am-6pm (EST)

Financial hardship assistance and credit reporting

A financial hardship arrangement can help improve your credit report if you meet your revised repayments. Find out more.

Financial Counselling

You can obtain free independent advice from a Financial Counsellor.

This is a free service with dedicated people in each state that will work with you to understand your circumstances and help with next steps.

Salvation Army Doorways Program

Are you finding your finances are getting tight? Investigating all your financial options and taking action early is important in achieving your future goals.

This program is a joint initiative between us and the Salvation Army building on our relationship of working together to support the community.

Take action early and find out more.