Important - please read.

Financial hardship is for customers with home loans, personal loans or credit cards. If you have other types of accounts please call us on 0800 400 600 to see how we can help you.

It’s important to contact us sooner, rather than later. If you fall too far behind on your repayments, our financial hardship solutions may not be able to help.

To complete an application you will need to provide your financial information including details about your income, expenses, assets and debt repayments.

We recommend you apply in Westpac One® so we can respond faster. If you do not have access to Westpac One, please fill in the online form below. However, you can also print an application form, or pick one up from your nearest branch then return it by email, drop it off at your nearest branch or post.

One of our financial solutions team will review your application, and contact you to discuss your options and next steps. This will happen within five business days.

If you do qualify, the Financial Hardship solution agreed may be able to start when your next payment falls due.

Personal information
Please do not use spaces or brackets
Separate each with a comma (,)
Select if this is a joint application
Does the joint applicant live at the same address provided above?
What is your reason for applying?
max 2,000 characters

Please complete the following sections to help us to assess your financial circumstances and what assistance we may be able to provide. Missing information may delay our response and decision.


Property Owned by Applicant(s)
Motor vehicle(s)
Investments or Savings
Superannuation and KiwiSaver


Accommodation (Rent/Board)
Child care/education
Child Support
Medical costs

Non-Westpac Liabilities

Credit card
Personal loans and Overdraft
Hire purchase
Store card

We appreciate this is a difficult time and it’s important for us to reach you as soon as possible to discuss your application further so please check your contact details are correct before you submit.

A copy of our Privacy Policy can be found here