Payment difficulty support
We're here to help
Talking to us early gives you the most options. There's no judgement, and asking doesn't affect your credit file.
Pause repayments
Short-term break of 1–3 months while you get back on your feet.
Reduce repayments
Lower payments for a defined period and extend the term.
Talk to a person
A real human will call you back within 1 business day.
Free, independent help
The National Debt Helpline offers free and confidential financial counselling.
1800 007 007 (Mon–Fri, 9.30am–4.30pm)
You can also visit ndh.org.au for online chat.
Free assessment
Tell us what you need, we'll do the running around
One short form, then a specialist compares our 50+ lender panel for your situation. Rates from 6.49% p.a. No credit impact to get started.
Free, no obligation, no credit impact