Hardship Assistance:
Your Right to Help
If you’re having difficulty making your repayments, you have the legal right to request hardship assistance. Under Australian credit law, we must consider your request and work with you in good faith to find a fair and reasonable solution.
Hardship Assistance: Your Right to Help
If you’re having trouble making your repayments, you have the legal right to request hardship assistance under Australian credit law. We’ll work with you in good faith to find a solution.
When can I ask for help?
Anytime. You don’t need to miss a payment first, and you can make more than one request.
What support is available?
- Payment holiday – pause repayments for a short time.
- Reduced repayments – pay less for a period, then return to normal.
- Reschedule dates – align payments with your pay cycle.
- Fee relief – waiver of certain fees during hardship.
How do I apply?
- Contact us early: 1300 654 230 or hardship@jingle.com.au
- Explain your situation: why you’re struggling and what help you need.
- Provide documents (if requested): e.g. medical certificate, separation letter.
- Work with us: we’ll propose options and confirm arrangements in writing.
What happens next?
- We’ll acknowledge your request within 1 business day.
- We’ll then assess your application and provide a decision within 21 calendar days (or sooner if urgent).
- We won’t take enforcement action while we’re considering a genuine request.
Will this affect my credit?
Agreed hardship arrangements generally won’t harm your credit file. Missed payments without an arrangement might.
Who else can help?
- National Debt Helpline: 1800 007 007 (free financial counselling).
- Legal Aid or community legal centres in your state.
Tip: The sooner you reach out, the more options we can offer.
Sample Hardship Request Email
To: hardship@jingle.com.au
Subject: Hardship Assistance Request
Dear Jingle Team,
I’m writing to request hardship assistance due to [brief explanation of your situation, e.g. reduced hours, medical condition].
I expect this to last approximately [insert estimated time]. I’d appreciate the opportunity to discuss possible options such as a payment pause or reduced repayments.
Please let me know what information you need from me to proceed.
Thank you,
[Full Name]
[Loan Number]
[Contact Details]
We’re committed to supporting our customers through difficult times. If you’re struggling, don’t hesitate to reach out. We’re here to help.
