Financial Hardship

We understand life can change unexpectedly. If you’re struggling
to meet your repayments, we’re here to help you find a solution.

Are you in financial Hardship?

Financial hardship is when you’re temporarily unable to meet your repayment
commitments due to circumstances outside your control.

Job Loss

Loss of income or
employment

Reduced Hours

Cut in working hours
or pay

Unexpected Costs

Emergency expenses
arise

Health Issues

Illness or injury
impacts

Family Crisis

Family or medical
emergencies

How We Can Help

We offer flexible solutions to help you through difficult times.

Reduced Repayments

Temporarily lower your payments

We can temporarily reduce your weekly or monthly repayments to help you manage during tough times while keeping your loan on track.

Interest-Only Period

Pay only interest temporarily

For a temporary period, you can pay only the interest portion of your loan, reducing your immediate financial burden.

Repayment Holiday

Short-term pause on payments

Take a temporary break from repayments to get back on your feet. We’ll work with you to determine the right timeframe.

New Schedule

Restructure your repayment plan

We can create a new repayment schedule that better fits your current financial situation and future goals.

Apply for Hardship
Support

If you’re experiencing financial difficulty, contact us as soon as possible.
The earlier you reach out, the more options we can offer.

Your Details

Full name and loan account details

Your Situation

Brief explanation of your circumstances

Supporting Documents

Bank statements, letters, medical notes (if applicable)

Get Support Today

Email Us

support@wecarefinance.co.nz

Call Us

0800-550-350

How the Process Works

Here’s our simple process for handling your hardship request.

Acknowledgement

We acknowledge hardship requests within 2 business days and provide you with a reference number for tracking.

Assessment

We review your request and may ask for more details to understand your situation better and find the best solution.

Decision

You’ll receive a decision within 5–10 working days with details of the support we can offer.

Support Plan

We work with you to find the best repayment solution that fits your current situation and helps you get back on track.

We’re Here to Support You

If you’re unsure whether you qualify, reach out anyway. Our friendly team is here to help.

Get Support