If your loan was initiated before May 1st 2025, please email enquiries@automotive-finance.com.au or call 1300 981 295 for support.

Financial Hardship

We’re here to help

There are many reasons why you might not be able to make your repayments. For most of them, we offer tailored financial support to help ease some of the pressure.

Sometimes it’s a job loss, a change in income or expenses or an unexpected moment like an illness, injury or natural disaster. Other times it’s a personal struggle like navigating a relationship breakdown, an unsafe home environment or the loss of a loved one.

Get in touch with us

If you’re facing challenges that make it difficult to keep up with your repayments, you can apply for Financial Hardship support or give us a call at 1300 280 572. We’ll work with you to find a solution that fits your needs. Taking steps today can make a huge difference in managing your future commitments and provide peace of mind, knowing you’ve got a plan.

Reasons for Financial Hardship support

Financial pressure can happen to anyone, at any time. If you’re unable to make your repayments, we’ll work with you to find a solution that helps get you through. Common reasons most people need financial support from us include:

  • Job loss
  • A delay or changes to income
  • Serious illness or injury
  • Relationship breakdown or domestic violence
  • Loss of a loved one
  • Shifts in your business cash flow
  • Natural disasters or other emergency events
  • Rise of general living expenses

Here for you

Our financial hardship support options

We have a variety of financial hardship support options to help you, including:

Reduced repayments

Lighten the load with lower repayments over a set period, so you can focus on getting ahead.

Repayment holiday

Need a breather? We can pause your repayments, giving you time to get back on your feet. Keep in mind, repayment holidays can make it harder to catch up on future payments.

Support with Overdue Amounts

We can work with you to adjust your repayment schedule to help you cover any missed repayment or overdue fees. This could include a Payment Arrangement where you catch up on your overdue amount in addition to your normal repayment or an extension of your loan or lease term to maintain your current regular repayment.

What else you should know

During a period of financial hardship support, interest (or finance charges if you have a lease) will continue to accumulate on the outstanding balance.  This means:

  • The loan or lease balance might not reduce as planned under the original contract
  • Deferring repayments could lead to paying more over the term of your loan or lease

To learn more, you can speak to one of our Financial Hardship Support Specialists on 1300 280 572.

Other ways you can get help

Financial Hardship Specialists

Call 1300 280 572, Monday to Friday, 8:30am – 5:30pm AEST

We’re here to help

If you are deaf, hearing impaired, or speech impaired, you can reach us on 1300 280 583 through the National Relay Service (NRS). You’ll need to register with the NRS prior to utilising their free services.

For assistance when overseas

Call +61 2 8349 2297

Frequently Asked Questions

If you can’t make a payment, just call us on 1300 280 583. We’ll listen, talk through your situation and help find a solution that works for you.

Reach out to one of our Financial Assistance specialists on 1300 280 572. We’ll talk through your situation and explore options like payment reductions, holidays, or other repayment plans tailored to your needs. You can also apply online here.

Hardship is defined as when a person is finding it difficult to meet their financial commitments due to circumstances beyond their immediate control. If you’re experiencing hardship, and can’t make your repayments, we are here to help.

We offer a range of financial support solutions depending on your circumstances. If you are experiencing financial difficulty, we can offer you a payment plan, reduced repayments or repayment holiday for a period of time while you get back on your feet. If this sounds like something you need, give us a call at 1300 280 572 or apply online here.

A financial hardship arrangement is a type of support that we may offer to help you manage your loan repayments when a change in your circumstances affects your ability to pay or you are experiencing financial difficulty. For example, we may provide a payment deferral if you’re facing challenges like illness or loss of income.

This type of arrangement can be temporary, such as reduced payments for a few months, or longer-term, like extending your loan term to lower your monthly repayments permanently.

It starts with a conversation. Call us at 1300 280 572 or fill out our Financial Assistance Form online. We’re here to listen to you and help you find a solution.

Our Financial Assistance Specialist will review your application and then contact you to discuss your situation in detail. A real conversation helps us better understand your situation, so we can provide the most suitable support for you.

We’ll only ask for supporting documents if we need it to make sure you have support tailored to your personal circumstances.  You can apply for Financial Hardship support and if we need further information from you we will be in touch.

If things change, just give us a call on 1300 280 583 and we’ll work with you to find a solution that fits you best.

Call us on 1300 280 583. We’ll chat about your situation and work together to find the best way forward.

For consumer loans, if you agree to a financial hardship arrangement with us, your Repayment History Information (RHI) may show whether you’ve met the terms of that arrangement instead of your usual payment obligations. The nature of the financial hardship arrangement may be listed in your credit report to show if a temporary variation financial hardship arrangement (shown by an ‘A’ on your credit report) or a permanent variation financial hardship arrangement (shown by a ‘V’ on your credit report) has been entered.

These arrangements do not impact your credit score. However, a code indicating the hardship may remain on your credit report for 12 months from when a temporary arrangement ends or 12 months after a permanent variation is made. Your report will not include the reason for the hardship or any specific details about the arrangement.
For more details, visit CreditSmart.

This is not applicable for business vehicle loans. For these loans, there are no current impacts to your credit score or file when you apply and are approved for Financial Hardship Assistance.