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Help & Support

Financial Hardship

Life doesn’t always follow the road map. Getting the right support is important and we’re here to help you stay on track.

We’re here to help

There are many reasons why you might not be able to make your repayments. For most of them, we offer tailored financial support to help ease some of the pressure.

Common reasons for financial hardship support

Financial pressure can happen to anyone, at any time. If you’re unable to make your repayments, we’ll work with you to find a solution that helps get you through. Common reasons most people need financial support from us include:

  • Job loss
  • A delay or changes to income
  • Serious illness or injury
  • Relationship breakdown or domestic violence
  • Loss of a loved one
  • Shifts in your business cash flow
  • Natural disasters or other emergency events
  • Rise of general living expenses

If you’re experiencing any of these circumstances, please get in touch as soon as possible.

Get in touch with us

If you’re facing challenges that make it difficult to keep up with your repayments, you can apply for Financial Hardship Assistance online or give us a call on 1300 561 869. We’ll work with you to find a solution that fits your needs. Taking steps today may make a huge difference in managing your future commitments and provide peace of mind, knowing you’ve got a plan.

We’re here for you

We have a variety of financial hardship support options to help you, including:

Reduced repayments

Lighten the load with lower repayments over a set period while you are experiencing financial difficulty and limit the amount you’ll need to catch up on, when you are back on track.

Repayment holiday

Need a breather? We can pause your repayments, giving you time to get back on your feet. Keep in mind, repayment holidays can make it harder to catch up on future payments.

Support with overdue amounts

We can work with you to adjust your repayment schedule to help you cover any missed repayment or overdue fees. This could include a Payment Arrangement where you catch up on your overdue amount in addition to your normal repayment or an extension of your loan or lease term to maintain your current regular repayment.

Selling your vehicle

Sometimes, selling your vehicle can be the most effective way to manage your finances. You can learn more about this process here.  

Voluntary surrender

If selling the vehicle yourself isn’t an option, you can arrange a voluntary surrender of your vehicle. Note, additional costs associated with your vehicle sale will apply. You can learn more about this process here

Please note that with each support option, the total amount payable under your credit contract may vary, and we will work with you to identify the solution most suitable for your circumstances.

What else you should know

During a period of financial hardship assistance, interest (or finance charges if you have a lease) will continue to accumulate on the outstanding balance. This means:

  • The loan or lease balance might not reduce as planned under the original contract
  • Deferring repayments could lead to paying more over the term of your loan or lease

To learn more, you can speak to one of our Financial Hardship Assistance Specialists on 1300 561 869.

Request financial support at any time.

Request assistance online

Extra support is just a call away

If you’re looking for more help, there are plenty of services ready to support you.

National Debt Helpline

There’s always a way forward. If you need help managing your finances, give the National Debt Helpline a call and connect with a Financial Counsellor who can guide you through it.

1800 Respect

Support is here. If you’re impacted by domestic, family or sexual violence, 1800 Respect offers free confidential counselling and support 24/7.

Mob Strong Debt Help

Created by and for Aboriginal and Torres Strait Islander communities, Mob Strong Debt Help offer expert advice on finances, banking and debt management.

National ADIS

Help is available. If you’re struggling with addiction, the Alcohol Drug Information Service offers confidential support 24/7.

Gambling Help

If you need help managing your gambling addiction, you access support online or call to speak with a gambling counsellor today. It’s free, professional, confidential, and available 24/7 across Australia.

Beyond Blue

Your mental health matters. Whether you’re looking for mental health information or 24/7 qualified support, Beyond Blue is here to support you.

Lifeline

Someone is always ready to listen. Call Lifeline for confidential support with anxiety, depression, or anything else on your mind.

Elder Abuse Helpline

If you or a loved one is experiencing manipulation, neglect, abuse or bullying, reach out to the Elder Abuse Helpline today.

Ask Izzy

Whether its finding housing, a meal, advice about money or support with mental health, Ask Izzy is a website that connects you to the help you need, quickly and close to home.

Frequently asked questions

Financial hardship is when a person has difficulty meeting, or is unable to meet, their financial commitments due to circumstances beyond their immediate control. There are many reasons why you might be experiencing financial difficulty. Sometimes it’s a job loss, a change in income or expenses or an unexpected moment like an illness, injury or natural disaster. Other times it’s a personal struggle like navigating a relationship breakdown, an unsafe home environment or the loss of a loved one.  If you’re experiencing hardship, and can’t make your repayments, we are here to help.

We offer a range of financial support solutions depending on your circumstances. If you are experiencing financial difficulty, we can offer you a payment plan, reduced repayments or repayment holiday for a period while you get back on your feet. If this sounds like something you need, give us a call at 1300 561 869 or apply online.

It starts with a conversation. Call us at 1300 561 869 or fill out our Financial Hardship Assistance Form online. We’re here to listen to you and help you find a solution.

Our Financial Hardship Support Specialist will review your application and then contact you to discuss your situation in detail. A real conversation helps us better understand your situation, so we can provide the most suitable support for you.

We’ll only ask for supporting documents if we need it to make sure you have support tailored to your personal circumstances. You can apply for Financial Hardship Assistance online and if we need further information from you, we will be in touch.

If things change, just give us a call on 1300 561 868 and we’ll work with you to find a solution that fits you best.

No. There are no current impacts to your credit score or file when you apply and are approved for Financial Hardship Assistance. Angle Auto Finance is not currently reporting Hardship data to any credit reporting bureau.

Voluntary surrender is where you agree to return the vehicle and agree for us to sell it on your behalf.  Any proceeds of sale (minus costs associated with the sale) are then applied to your loan or lease balance to reduce the total amount owing.

  1. Please call us on 1300 561 869 so we can understand your current circumstances.
  2. We will advise you of the location of our nearest auction house partner where you can take the vehicle to.
  3. Our auction house partner will then value your vehicle, and we will let you know the valuation amount – if the valuation is less than you expected, you will still have the option to redeem your vehicle.
  4. If you don’t redeem your vehicle, we will arrange for the vehicle to be sold and apply the proceeds (minus costs associated with the sale) to be applied to your loan or lease balance.
  5. If there is a surplus, we will transfer those funds to you. If there is a shortfall, we will contact you to discuss a suitable repayment plan tailored to your personal circumstances.

We can collect it from your home or office for an additional fee.

To arrange voluntary surrender of your vehicle, please call us on 1300 561 869.