Asking for financial hardship help
Written and reviewed by the DebtFreedom editorial team under our editorial policy. · Last updated 8 July 2026
If you're struggling to keep up with a bill or repayment, you have a right to ask for help — and it's free to ask. Pick a provider below for a plain-English guide to their hardship program, what to say, and your rights.
Banks & lenders
Buy now, pay later
Phone & internet
Energy & utilities
Struggling with debt? Free, confidential help is available from the National Debt Helpline — 1800 007 007.
This page provides general information only, based on the figures shown — not financial, legal or credit advice, and it doesn’t take your circumstances into account. Consider your own situation and seek independent advice before making decisions. DebtFreedom is not a lender or a financial counsellor.
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