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 debts into one affordable monthly payment — arranged with your creditors, on your terms.
Begin application Takes about 15 minutes · Free to apply
Proposals accepted byCommonwealth BankWestpacNABANZLatitudeAfterpayHummZip Co
§01 · How it works
Six quiet steps.
01ApplyA 15-minute online form. You can pause and return anytime.
02VerifyWe check your ID and income through secure Australian providers.
03BudgetWe calculate a realistic monthly payment based on the HEM benchmark.
04ProposeWe draft letters and send proposals to each of your creditors on your behalf.
05AgreeOnce your creditors accept, you sign the service agreement online.
06PayOne direct debit per month. We distribute to creditors.
You are not alone
Last year 11,400 Australians used a Temporary Hardship Plan to get back on track.
No effect on services
Utilities, phone and internet remain connected while you are on a plan.
AFCA covered
Every decision is reviewable by the Australian Financial Complaints Authority.
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.
When you’re ready.
No credit check to apply. Your information is protected under the Australian Privacy Principles.