Financial difficulties can be caused by a number of situations

We know that life can take unexpected turns and unplanned events can happen. At People's Choice, we pride ourselves on doing our best to take care of our members.

Some members may find themselves in financial difficulty, which can be caused by a number of situations:

  • Changes in income or expenditure (cost of living pressure)
  • Changes in employment
  • Significant life events (such as relationship breakdown, death in the family)
  • Injury or illness
  • Emergency event, pandemic, or natural disaster
  • Domestic violence or family violence 

We’re here to help

We understand that reaching out isn’t always easy, but it’s important that we’re made aware of your situation as soon as possible to give us the best chance of assisting you.

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

  • Treat every member with respect and equality 
  • Be open and honest about your options 
  • Show empathy for your situation
  • Keep your information confidential
  • Work with you to form a plan of support 

How we can support you

People's Choice may be able to offer Financial Hardship Assistance to those in need.

If you're finding it hard to stay on top of your finances, get in touch with us to see if we can help. Ways that we may be able to help include:

  1. Paused payment arrangement
    Providing you with a temporary payment break in your loan arrangement.
  2. Reduced payment arrangement
    Temporarily reducing your payment amount in your loan arrangement. 

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 as soon as you can.

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.