How to apply for financial hardship assistance

Check that your situation meets our criteria for being in financial hardship and see other ways we may be able to help.

You could also check your insurance to see if your situation is covered.

If you have preapproval for any ANZ credit product, applying for financial hardship assistance will void (cancel) that preapproval.

If you have a joint loan, we may still be able to help you as an individual. We will need to contact the other party, but will not discuss your details with them.

• Income
• Assets
• Lending and any other debt 
• Expenses
• Reason for applying

If you have a question or you’d rather speak to someone, call us.

0800 240 438

Monday to Friday, 8:30am - 8pm

Saturday and Sunday, 9am - 5pm

We’ll review your application and contact you within five working days.

In the meantime, keep making payments on your loan, if you can. 

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

It’s important that you let us know as soon as your situation changes so we can make sure the assistance we are providing is still appropriate.

When we look at your application, we might see that we need more information from you. If we do, we’ll contact you to let you know.

The documents we might need to see include:

• Last three months’ payslips for each applicant, showing year to date income
• Evidence of additional income (e.g. rental income, benefits, boarder income)
• Last three months’ statements for bank accounts held with other banks
• Last six months’ statements for any loans with other banks, finance companies or stores (e.g. credit cards, personal loans, hire purchases)
• Evidence that rates and house insurances are paid and up to date.