Can I reduce my payments?

Yes, reduction of repayments is one available option to assist during financial hardship.

What if I am still in the same position in three months’ time?

If in three months’ time you find that your situation hasn’t changed or hasn’t improved to a point where you’re able to continue repayments, your account will be reassessed and we’ll be happy to discuss additional options.

How do I apply for hardship?

To apply for hardship, send us an enquiry using this form and one of our team will be in contact with you to discuss your options. Or if you’d like to speak directly to one of our friendly customer service

Will hardship default my credit line?

If you go into hardship it will not be noted as a default however, it will be noted on your credit file.

Can I continue to make purchases while I’m in hardship?

Once your account is placed under hardship you won’t be able to continue to make purchases. This is for your own financial security, preventing your account from falling further into hardship.