Financial hardship
You can talk to us early - we’re here to help
If something has changed, or you’re concerned about keeping up, you don’t need to wait until you’ve missed a payment to reach out.
Many members contact us early - it helps us find the right support sooner.
Contact Defence Bank’s Hardship and Collections Team on 1800 773 158 or email collections@defencebank.com.au
Why reach out early?
Getting in touch early means we can offer more options and help you stay on track.
You can reach out if:
- Your income has reduced
- Your expenses have increased
- Something unexpected has come up
- You’re worried about future repayments
Many members contact us before things get difficult - you’re not alone. You don’t need to be behind on payments to get help.
What does support look like?
Support is tailored to your situation and our dedicated Hardship and Collections team will take the time to understand your situation and work with you to find a suitable option.
What happens next?
Reaching out is a positive step - and we’re here to help.
- Get in touch – online, by phone, or in person
- We’ll talk it through with you - no judgement, just understanding your situation
- We’ll work together on a plan that suits your needs
Who can access support?
You can reach out if you’re experiencing financial difficulty - or think you might soon. This can include short-term or ongoing changes, such as:
- Reduced income
- Illness or injury
- Life events
- Personal changes
Get in touch with us even if you’re unsure. We’ll guide you.
What extra support is available?
You don’t have to navigate this alone.
Free, independent help is available through financial counsellors such as the National Debt Helpline on 1800 007 007.
Serving ADF members can also seek support from Bravery Trust on 1800 272 837.
We can also provide information on your options if you’d like external guidance.
