Covid-19 Hardship

With the current Covid-19 pandemic we understand there will be a lot of people who are unable to make payments on their loan. We’re here to help and want to work with all of our customers through this period.

All of our loans already have the default interest and default fees suspended for the month of April 2020, so you won’t be penalised if you’re late on a payment or need to take a week off. But you will need to catch up the missed payment before the end of the month to prevent falling behind and potentially incurring further fees once things are back to normal.

However if you’re struggling financially and finding it difficult to make your repayments, please contact us immediately.

We offer all customers the option to make a hardship application, especially in current circumstances with the Covid-19 pandemic.

The best thing to do is to send us an email and let us know of your situation. We can then run through all of your options and if you want to make a hardship application, you can do so by following the below guidelines.

To apply for hardship please send us an email titled ‘Covid-19 hardship application’ with the following information.

  • Your full name and current physical address.
  • Your current phone number and email address.
  • How much you can afford to pay at present and how frequently you can pay.
  • If you have lost your job with your employer closing their business or if you are on temporary leave during the shutdown.


We will request a copy of your recent bank statements, so we can verify your income and expenses, then come back to you with some options. If you are applying for hardship and your circumstances are going to change over the coming weeks, we will need you to verify this. We understand this is difficult, but the easiest way to do this is for you to submit bank statements the day after your next scheduled payday. Otherwise we can consider letters/emails from your current employer.

Due to the high volume of emails and with our staff working from home it may take some time to respond to your enquiry, but we will get back to you as soon as we can.

NZ Financial Services Complaints Ltd Guaranteed Secured Online Loans NZ NZ Govt. Registered Financial Service Provider Sustainable Paperless Business NZ Owned And Operated Customer Reviews
Back to top