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On the recordRead 4 Oct 202613 facts
Hardship Hub
Plans and prices
Transaction fee
$2.20usage-based
Only charged when a payment is sent; skipped months and removed creditors incur no fee
Read 4 Oct 2026 · hardshiphub.com.au
Application fee
$49one-time
Covers financial assessment, plan preparation, and first creditor proposals
Read 4 Oct 2026 · hardshiphub.com.au
On the record
- Affordability
- The proposed payment is sized using the Household Expenditure Measure and the applicant’s financial information.hardshiphub.com.au · read 4 Oct 2026
- Complaints support
- The company says it acknowledges complaints within one business day and responds in writing within 30 days.hardshiphub.com.au · read 4 Oct 2026
- Counsellor workflow
- Financial counsellors can refer clients or lodge on their behalf, track creditor response windows, and see outcomes and refusals.hardshiphub.com.au · read 4 Oct 2026
- Credit checks
- The application does not involve a credit check or obtain a credit file or score.hardshiphub.com.au · read 4 Oct 2026
- Creditor response period
- Creditors have up to 21 days to respond to proposals.hardshiphub.com.au · read 4 Oct 2026
- Debts not covered
- The service excludes ATO debts, court-ordered debts or fines, child support, HECS/HELP loans, and secured debts such as mortgages or car finance.hardshiphub.com.au · read 4 Oct 2026
- Eligible users
- The service is described for Australian residents experiencing genuine financial hardship with unsecured consumer debts.hardshiphub.com.au · read 4 Oct 2026
- Launch status
- The site says the service is not yet open to consumers pending licence finalisation.hardshiphub.com.au · read 4 Oct 2026
- Payment integrations
- The privacy policy names Stripe for application-fee processing and Zai for direct-debit collection and creditor distribution.hardshiphub.com.au · read 4 Oct 2026
- Plan duration
- A Temporary Hardship Plan runs for three months.hardshiphub.com.au · read 4 Oct 2026
- Privacy compliance
- Hardship Hub says it is bound by the Australian Privacy Principles under the Privacy Act 1988 (Cth).hardshiphub.com.au · read 4 Oct 2026
- Security
- The privacy policy says data is encrypted in transit using TLS and at rest using AES-256, with Australian-hosted primary data storage.hardshiphub.com.au · read 4 Oct 2026
- What it does
- Hardship Hub coordinates Temporary Hardship Plans that bundle unsecured debts into one monthly payment distributed to creditors.hardshiphub.com.au · read 4 Oct 2026
