Unforeseen Financial Hardship

If you’re having problems meeting your existing Westpac loan or credit card repayments or think that you may experience difficulty doing so in the near future please use the form below. If you leave it too long you may not be eligible to qualify.

If you wish to apply for new lending please see:

As a current Westpac customer, you are able to apply for financial assistance if you experience unforeseen problems such as:

  • illness
  • loss of employment
  • the end of a relationship 
  • natural disaster
  • other reasonable cause

You must reasonably expect that a change to your lending agreement would enable you to meet your obligations going forward and not put you in further hardship. We will consider this as part of your application.

Online form

You can apply online by completing the form below.

Financial Hardship Application form

Printable form

You can also apply by printing and filling in the form below.

You can either

  • Drop it off at your local Westpac branch
  • Post it to, Westpac New Zealand Limited, PO Box 934, Shortland Street, Auckland 1140,  
  • Email it to, financial_solutions@westpac.co.nz

Download PDF Financial Hardship Application form

How we can help

Some of the things we may be able to offer are:

  • An extension of the loan term
  • A postponement of repayments for a specified period
  • Extension of both the loan term and postponement of repayments for a specified period.

If you have questions about this process, you can find out more in our frequently asked questions section or contact our Customer Care team on 0800 402 802, between 8am and 5.30pm Monday to Friday.

Information for Budget Advisors and Authorised Third Parties

If you are a budget advisor or third party you are also able to complete the Financial Hardship Application form.  For further information please call our Customer Care team between 8am and 5.30pm on 0800 402 802, Monday to Friday.