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Financial assistance

We understand that circumstances can change. If you're experiencing financial hardship, we're here to help you through it.

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What is hardship?

We're here for life's unexpected turns

Financial hardship is when a change in your life makes it difficult to keep up with your repayments or financial obligations. If you’re experiencing financial hardship, we encourage you to reach out to us as soon as you can, so we can work on a solution for you. Remember, you’re not alone, financial hardship can happen to anyone, for reasons such as:

An illness or injury

Reduction in income

Loss of employment

Family and domestic violence

Death in the family

Separation from a partner

Cost of living pressures

Natural disasters such as droughts, fires, floods or earthquakes

Support options

Your options for support

We understand that every situation is unique. That's why we offer a range of flexible support options to help meet your needs.

Flexible payment arrangements

This could include deferring or reducing your repayments for an agreed period.

Help with missed payments

We can work with you to create a plan to help you get back on track.

A tailored solution

Our team can discuss other flexible options with you based on your individual circumstances.

A simple and fast path to support

This short video walks you through the steps you can take to get the help you need.

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Video transcript

When life throws financial uncertainty your way, we’re here to guide you through.

Hi, I’m Q, your AI agent.

Whatever you’re experiencing, from loss of employment to cost of living pressures, we can support you.

Select the account that you’d like help with.

Here are your financial assistance options to help you take back control,

and peace of mind.

Select the option that suits you best, and we’ll get everything ready for you to review.

In some cases, you’ll receive an immediate decision.

If we need more details, we’ll continue the process seamlessly.

Keeping you informed every step of the way.

When you bank with Macquarie.

You get financial assistance that understands you.

How to apply

How to apply for financial assistance

To help us understand your needs and circumstances, we may ask for information about your income and expenses.

We’ll let you know exactly what’s needed during the application process.

Apply online

If you have a home loan or a credit card and would like to defer or reduce your repayments, the simplest way to apply is via our digital experience. It can provide an answer for you in as little as five minutes. You can start an application by logging in, navigating to 'Menu' and selecting 'Help.'

Message us on chat

If you’re having trouble applying online, or want to discuss other options, you can contact us via chat in the Macquarie Mobile Banking app or via Macquarie Online Banking.

Speak to our team

If you’re seeking support for your car loan, or you’d prefer to speak to a member of our team, you can call us on +61 2 8550 5686. We’re available Monday to Friday, 9am to 5pm, Sydney time (excluding public holidays).

Helpful resources

We can connect you to a financial counsellor

Financial counsellors are qualified professionals who provide free information, advice and advocacy to people in financial difficulty.

To connect with an independent financial counsellor, you can contact us via chat, and we will guide you through the process.

Support in difficult times

If you’re experiencing financial hardship, or suspect you've been affected by financial abuse or other financial hardship, please reach out to us as soon as possible. We can work on a solution to support you.

Learn more about support（https://www.macquarie.com.au/support.html）

National support services

There are a range of resources and support services you can access to help guide you through this period, including:

National Debt Helpline（https://ndh.org.au/）

Tools and services, including counselling, to help you manage debt.

Australian Banking Association's Financial Assistance Hub（https://www.ausbanking.org.au/financial-assistance-hub/）

A guide to the options available to you if you’re struggling financially.

MoneySmart（https://moneysmart.gov.au/）

Tools, support and educational resources to help manage your finances.

Salvation Army（https://www.salvationarmy.org.au/need-help/financial-assistance/moneycare-financial-counselling/）

Assistance with financial coaching, financial counselling and no-interest loans.

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