Help me get on top of my bills or debt

If you need to cover an unexpected expense or feel like you're struggling to stay on top of what you owe, we may be able to help you get on track again. 

While using your savings or withdrawing a term deposit early to reduce your loan is a better option to help save money in the long run, sometimes that's not an option.

Hannahs story

Real stories from Westpac customers

Roger was struggling to make his money last the month, and using high-interest short-term loans had only made the situation worse. Hannah's car repair bill pushed her tight budget to breaking-point. See how we helped them get back on top.

See how we helped

  • Debt Consolidation Loan

    Roll your debts into one easy-to-manage loan and you could save on interest and get a date you could be debt free.

    Learn about Debt Consolidation
  • Reducing your repayments

    Whatever your reasons, if you need to reduce your home loan repayments we’ll help you find the best way to do so.

    Reduce your repayments
  • Increase my home loan

    Topping up or redrawing your home loan could free up your money to cover an unexpected bill or pay down a high-interest loan

    Top up a home loan
  • Make an insurance claim

    Depending on what cover you have in place, making a claim with us is easy. Just call us and we'll guide you through the process.

    Make a claim

Help! I need further assistance

If you can't find the help you need here, you may be able to apply for Financial Hardship or to use your KiwiSaver. You can also contact MoneyTalks for free, independent budgeting advice.

Whatever is going on, if you feel stuck, get in touch, because there may be something we can do to help.

Get in touch