skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Applying for hardship assistance

What you should know

  • You need to be a New Zealand customer to qualify for hardship assistance.
  • A hardship application will void any credit preapproval for ANZ products.
  • There’s a separate application form if you’re suffering significant financial hardship and want to apply for an early withdrawal from KiwiSaver.

COVID-19 (coronavirus) latest updates

Please call us if you’re experiencing financial hardship. We’re here to help and are working on other financial support options to help our customers get through COVID-19.

If you’re worried about your situation, it’s important to talk to us early. We’ll work with you and give you information and support that may help you get back on track. Remember, talking to us about any problems you’re having won’t affect our relationship with you.


How to apply

What you’ll need to apply

You’ll be asked to enter some details about your:

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

If you need help to complete the form or if you’d rather continue this application with a Personal Banker, you can call us on 0800 240 438 or visit any ANZ branch.

What happens after

Once you’ve submitted your application form we’ll review your application and contact you within 5 working days.

Documents you may need to provide

Once you have submitted your application, we may need you to provide further information. If we do, we’ll contact you to let you know.

These may include:

  • Last 3 months’ payslips for each applicant, showing year to date income.
  • Evidence of additional income (i.e. rental income, benefits, boarder income).
  • Last 3 months’ statements for bank accounts held with other banks.
  • Last 6 months’ statements for any loans with other banks, finance companies or stores (i.e. credit cards, personal loans, hire purchases).
  • Evidence that rates and house insurances are paid and up to date.

Tip: You might find if helpful to use bank statements and payslips for the information we need, so keep them handy.

Frequently asked questions

If you would prefer to deal with ANZ via a third party (e.g. a family member or financial representative), that person can complete the online application form for you. Before we can speak to them about your application you’ll both need to complete a Privacy waiver authority form. We will arrange this with you after your application has been submitted.

We will let you know why, and talk to you about any alternative options that may be available.

You may not be entitled to apply for unforeseen hardship relief if: 

  • you are still able to meet your financial commitments (even though an unexpected event may have occurred), or;
  • you have over committed or have over spent and are not able to meet your financial commitments.

If these situations apply to you, and you are having financial difficulties, ANZ may still be able to help. With a free A-Z Financial Review, an experienced Personal Banker can talk to you about your situation and give you information about options that may help you get your finances back on track. To book a free A-Z Review, simply call 0800 240 438 or come into any ANZ branch.

Please complete the online application form and clearly state your current situation. We will need to receive financial information and discuss the application with both parties. However, we will not discuss your personal details with the joint party.

It’s important that you advise us as soon as possible so that we can review your situation and ensure the appropriate assistance is in place.

We understand that unexpected events happen and you are certainly not alone in experiencing financial hardship. We’re here to help all our customers, whatever their situation.

No. You can make an application at any time if you are experiencing hardship. We encourage you to talk to us about your situation before you fall behind in your repayments.

No, unforeseen hardship relief can be applied to all of our financial and lending products. Applications for financial hardship assistance are reviewed on the basis of each customer’s individual situation.

It’s always better to talk to us about your situation as early as possible, rather than simply ignoring it. We’ll do everything we can to help you get your finances back under control. If you miss your loan repayments, the results can be serious. If you’ve given us a mortgage over your house and don’t meet your repayments, then we could sell your house to recover money you owe us. If you have other loans and don’t meet your obligations, then we can take debt recovery action against you which may prevent you borrowing money from us and other lenders in the future.

Yes. All applications will be assessed on a case by case basis.

Hardship assistance only applies to your personal lending. If your business is having financial difficulties, please contact your Business Banking Manager or visit BizHub for assistance. Alternatively you can contact our Direct Business Banking team on 0800 269 249 (8am - 8.30pm Mon - Fri and 9am - 5pm Sat and Sun).

Yes. It’s important to keep making your regular repayments if possible. We will contact you within 5 working days to discuss your application, but if you wish to discuss this with someone urgently please call 0800 240 438.

We encourage you to use the application form on this website if possible or to visit your nearest ANZ branch for assistance. If you prefer to apply in writing, you can write to any ANZ branch or using the address on your loan summary.

We're here to help

Contact our team

Call us

0800 240 438

Weekdays, 8.30am - 8pm
Weekends, 9am - 5pm


Find your nearest ANZ branch

Visit a branch