Financial hardship

We're here for our clients when times are tough.
Find out if you're eligible for assistance below.

Make an application

Get in touch

Missed a payment, exceeded your overdraft limit – or think you might?

We know it can be hard to talk about your finances, but the earlier you speak to us the better. We’re here to help.

Unexpected (or unforeseen) financial hardship happens when you can’t meet your existing financial obligations for a period of time. It can happen to anyone at any time and for any number of reasons. It can be overwhelming.

If you have money worries, we may be able to provide financial hardship assistance.
Talk to us as early as possible to discuss your options.








Tell us about your situation

The sooner you get in touch with us, the more options you’ll have. These include:

  • accessing financial mentoring services (
  • accessing credit insurance (if applicable)
  • requesting repayment relief through our ‘unforeseen financial hardship’ process

When to make a financial hardship application?

You can make a financial hardship application at any time.

To be eligible, your request must be due to unforeseen circumstances ie, you could not reasonably have seen the event coming.

Unforeseen circumstances can include:

  • illness
  • injury
  • losing your job
  • the end of a relationship

Making an application

Download and complete our application form and email your application to

Application form

Supporting information
We may require supporting information such as payslips, bank statements or financial information if you are self-employed. We will be in touch if we need these. Please note that we may also conduct a credit check as part of the application process. This may appear on your credit reporting history.

What happens next

Once you have sent us your financial hardship application, we’ll send you an email within five days to acknowledge receipt of your application.

If we need more information from you, we’ll ask for this and we’ll make a decision within the prescribed timeframes under the Credit Contacts and Consumer Finance Act 2003.

If your application is declined, we will tell you why and talk to you about other help that may be available to you.