Financial Hardship

If you're facing financial difficulty, we may be able to help.

Financial Hardship Assistance

Do you need financial support?

At some point in time, we all may experience financial hardship. Whether it’s due to illness, unemployment, a pandemic, natural disaster or relationship breakdown – we’re here to help.

With the current cost of living pressures we know, now more than ever that members need our support. It’s always best to contact us to discuss you needs early on rather than waiting until you’re in financial difficulty such as falling behind in repayments as this can impact your credit history. 

How we can help

Every person’s situation is different, so we have flexible options to help such as:

  • Pausing or changing frequency of your home loan or personal loan repayments. 
  • Reducing loan repayments to an amount more manageable, for example, interest only repayments. 
  • If redraw is available on your loan you may be able to redraw on any additional payments you have made. 
  • If you are currently paying above the minimum required repayment amount, we can reduce your repayment amount.
  • Pause fees and charges.
  • Help your budgeting with our budget planner, set up sub-accounts and automatic payments to avoid late payment fees.

Note: Support that we are able to provide will depend on your specific situation and may be subject to terms and conditions

If you are worried about your financial situation, call us on 1800 855 810 as soon as possible. Our member engagement team operates between 8am-4pm Monday to Friday.

Note: To help we’ll require some basic information from you about your current financial situation. This will help us to assess the best way to assist you. You can provide this information by completing a “Statement of Financial Position” form and email it to us at or giving us a call on the phone number above. We may ask to you to provide recent income statements. Once we receive the information, we’ll assess your situation and give you a call to discuss potential options. 

Important Information

If payments fall into arrears without prior notice your credit history may be impacted. Late payments are reported on credit files and remain visible for 24 months.

Hardship variations and arrangements are also recorded on Credit Files and remain visible for 12 months. 

Government and Community Support Services

In addition to the support we can provide, there are other Government and community support services available that may be able to help you, depending on your needs.

Government support

Services Australia 
National Disability Insurance Agency (NDIS) 
Money Smart
ADF Health and Wellbeing Support
ADF Family Program and Services
ADF Financial Support
ADF Pay Conditions
ADF Financial Services Consumer Centre

Financial hardship

National Debt Helpline 

Domestic and family violence


Family & relationships

Relationships Australia 
Seniors National Seniors Australia 
Mental health

Beyond Blue


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