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 depending on your specific situation. Note: These options 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.

To help we’ll require some basic information from you about your current financial situation including recent income statements. This will help us to assess the best way to assist you. 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 1800Respect 
Family & relationships Relationships Australia
Seniors National Seniors Australia
Mental health Beyond Blue 


Your browser is out-of-date!
click here to access online banking click here to upgrade your browser