A national program for financial hardship

One payment.
A path back to even.

When money is tight, juggling creditors makes it worse. A Temporary Hardship Plan bundles your unsecured debts into one affordable monthly payment — designed with you and proposed to your creditors on your behalf.

Join the waitlist Pre-launch · No spam, no sales calls
We work with all major Australian creditorsCommonwealth BankWestpacNABANZLatitudeAfterpayHummZip Co
§01 · How it works

Six quiet steps.

01Apply
A 15-minute online form. You can pause and return anytime.
02Verify ID
A quick identity check via a secure Australian provider.
03Budget
We calculate a realistic monthly payment based on the HEM benchmark and your essential costs.
04Propose
We prepare proposals and send them to each of your creditors through our creditor portal.
05Respond
Creditors have up to 21 days to review. You'll see each response as it comes in.
06Confirm
Once the final arrangement is agreed, you sign the service agreement and your 3-month plan begins.
See the full process
No credit check

Applying doesn't touch your credit file. It's an arrangement, not a new loan.

One direct debit

Once active, a single monthly payment replaces every individual creditor chase.

Built around HEM

Plans are sized against Australia's Household Expenditure Measure — no budget you can't afford.

From a member, Geelong VIC
“I couldn’t open the mail for months. Hardship Hub didn’t judge — they asked what I could afford and built everything from there. Eighteen months later, the letters stopped.”
M. — 42, hospitality worker
Completed plan, Feb 2024
§02 · Common questions

We hear these most.

What is a Temporary Hardship Plan?

A Temporary Hardship Plan (THP) is a 3-month arrangement where we negotiate reduced payments with your creditors on your behalf. You make one consolidated payment that we distribute to each creditor according to the agreed terms.

How much does it cost?

A $49 one-off application fee, then a $2.20 transaction fee each time we send a payment to one of your creditors. Most plans run one payment per creditor per month, so a four-creditor plan sees four transaction fees per month — taken from your single direct debit before we distribute the rest.

Will this affect my credit score?

A hardship arrangement is designed to protect your credit. By keeping up with agreed reduced payments, you can avoid defaults and late payment marks that would otherwise damage your credit rating. In most cases, creditors note the hardship arrangement rather than recording missed payments.

All frequently asked questions

When you’re ready.

No credit check to apply. Your information is protected under the Australian Privacy Principles.

Join the waitlist