Unforeseen financial hardship

We understand that life can throw a few curve balls from time to time. If you find yourself unable to reasonably keep up your loan repayments, we call this an Unforeseen Financial Hardship and we can help.

COVID-19 information

We are receiving a high number of applications for Unforeseen Financial Hardship support. To avoid delays, ensure you provide all the information requested for an application.

If you have been affected by an Unforeseen Financial Hardship, you can request that we vary the terms of your loan contract.

What qualifies as Unforeseen Financial Hardship

Unforeseen Financial Hardship may be due to personal hardship (e.g. illness or injury), a major life event (e.g. death of a loved one, loss of employment), or another reasonable cause.

Applying for Unforeseen Financial Hardship

To make an application you need to:

    Simply contact us by telephone, email or post - see contact details below. If your request is urgent, use our telephone or email option.
    Clearly explain your reasons for applying. Provide as much supporting documentation as possible that relates to your hardship event. For example, provide us an email or letter from your employer if you are facing reduced hours or unemployment, or your doctor if you have a incapacitating health event.
    Clearly request one of the following:
    • A postponement of your repayments for a set time.
    • An extension to the original loan term.
    • A reduction in your repayment amounts.
    • Placing a cap on the arrears that may be charged under the credit contract.
    • Offering information on different arrangements that will better suit your needs.
    • Any combination of the above.

By making an application, you are confirming your belief that you will be able to meet your debt repayments if these changes are made.

You cannot apply for Unforeseen Hardship within four months of a previous application, unless the hardship is related to a different matter.

What happens when you apply

Once we have received your application, we will contact you in writing outlining our process. If we do not require any further information from you, a decision will be made within 21 working days of receiving your application.

If we do request further information, please ensure you provide this as soon as possible.

Ready to apply?

You can apply by telephone, email or post, but if your request is urgent, please use our telephone or email options:

1300 042 766


Unforeseen Financial Hardship
Harmoney Services Pty Ltd
GPO Box 7004
NSW 2001