Friends discuss getting financial assistance
Friends discuss getting financial assistance

Financial assistance, hardship and disaster

If you are experiencing financial hardship, it’s important to understand all the options available to you – so we’ve done our best to bring together some information to help get you back on track.

Whether you’re having difficulty meeting your financial obligations or are trying to get organised for changes coming up, please let us know sooner rather than later so that we can try to help.

You may also want to get support from a financial counsellor or advice professional to help you to understand your options. 

Repayment holidays

Repayment holidays

If you’re having trouble meeting your loan repayments, then talk to us and we may be able to help. We’ll talk about your situation, understand what’s going on and may be able to offer you up to a three month break from your loan repayments. 
Repayment holidays

Apply for financial assistance

We’re committed to helping our customers succeed – whether that’s achieving their financial goals, or in times of need. You can apply for financial assistance to either reduce or take a break from your loan repayments. 
Repayment holidays

Statement of financial position

If you’ve been asked to provide more information on your financial position, you can find a link to the form here.  Once completed, simply send the form and all supporting evidence to


Financial Assistance FAQs

Financial assistance can sound like a daunting prospect, however it can also help get your finances back on track. We’ve pulled together some of our most frequently asked questions to help you understand the process.

If you notify us of your changing circumstances, we’ll work with you to understand your options.

We’ll discuss with you:

  • The reasons why you are in financial hardship
  • An indication of how and when your situation will improve
  • Whether you can make any repayments to your loan and over what period
  • If you need to provide a 'statement of financial position', which provides information that validates your income and expenses.

For customers who are under financial assistance arrangements with Pepper Money, you will not be charged Default, Arrears or Dishonour fees during this time, and we will not apply additional default interest on amounts in arrears.

As everyone’s circumstances are different, the exact length of time for the repayment break will depend on your individual situation. 

30 days before the end of your repayment holiday, Pepper Money will contact you to let you know that this arrangement is coming to an end and that your loan repayments will soon recommence.

Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.