We're here to help.

At People’s Choice, we know that life can take unexpected turns and that unplanned events can happen. As a result, it may sometimes be difficult to meet your financial obligations. If you start to feel like you might need support, contact us early to see how we can help. Reaching out at an early stage will give you the best possible chance of receiving assistance when you need it most.

    Financial difficulty can come about quickly

    Difficulty meeting your loan or credit card repayments can affect anybody – whether you’re an individual, a couple, joint account holder, small business, borrower or a guarantor. We understand that there are a wide range of circumstances that can result in a member experiencing financial difficulty, and that these situations can often arise quickly and unexpectedly, such as:

    • Changes in income or expenses (cost of living pressure)
    • Changes in employment and unemployment
    • Significant life events (such as relationship breakdown, death in the family)
    • Serious Injury or ill health
    • Emergency event, pandemic, or natural disaster
    • Domestic or family violence
    • Financial abuse  

    Here for you

    At People’s Choice, we pride ourselves on doing our best to support our members. Asking for help isn’t always easy, but it’s important to contact us early if your circumstances change (even if it’s only short term) so we can work through how best to support you. 

    When you feel ready to reach out, we assure you that we will: 

    • Treat you fairly and with respect 
    • Be open and honest about what options are available 
    • Be respectful of your situation and needs
    • Keep your information confidential
    • Work with you to form a plan of support

    How hardship assistance can support you

    We may be able to offer Financial Hardship Assistance to customers having trouble meeting their loan or credit card repayments.

    If you're finding it hard to stay on top of your loan repayments, get in touch with us to see if we can help. Depending on your circumstances, some of the ways we may be able to help include:

    1. Deferred payment arrangement
    Providing you with a temporary payment break in your loan arrangement.

    2. Reduced payment arrangement
    Temporarily reducing your minimum repayments under your loan arrangement.   

    What happens next?

    Once you feel ready and comfortable to talk to us, we will work with you to create a support plan. During this process we encourage you to be as open and honest as possible about your financial position. 

    If you do ask us for hardship assistance, we encourage you to keep making whatever payments you can while we consider your request.

    If you have a joint account, we can assist you in the initial stages of your request without involving the other party, if needed.  

    After we receive a request for hardship assistance, we:
    Consider the request for assistance, taking into account the current situation.
    Consider the long-term and short-term financial issues where they are relevant. 
    Pause collection activity whilst reviewing your request
    Respond to the request promptly.



    How to contact us

    If you’re experiencing financial difficulty and would like to discuss your options, please contact our dedicated team at (08) 8124 2146 or email cmanagementpccu@peopleschoice.com.au as soon as you can.

    Alternatively, you can apply for Hardship relief by completing the Hardship Assistance Form and emailing it to People's Choice Credit Management. When the form is received, we will contact you to discuss your application further. 

    Please keep in mind that our staff may ask you about your income, expenses, assets, and supporting documents to assist with your application.  Our friendly team has been specially trained for these situations and to help you with the next steps.


    External support services

    When you need extra support, there are a range of free services you can access for information and confidential counselling.

    Financial hardship and credit reporting

    From 1 July 2022, if we approve you for temporary financial hardship assistance, or permanently change your loan contract due to financial hardship, this will be reflected in your credit report.

    This is an industry wide change which has been introduced through new legislation by the Australian government. 

    Click here to get more details about how hardship arrangements will be reflected on your credit report.