We’re here for you.

Openpay is all about responsibility and this means we also want to be as transparent as possible when it comes to financial hardship.


What is Financial Hardship?

If there is an unforeseen change in your circumstances that makes it difficult for you to maintain your regular payments, you may be experiencing financial hardship.

Common events that may contribute to financial hardship include:

  • Illness or injury (personal or immediate family member)
  • Unemployment or reduction in income
  • Adverse property event (e.g. house fire, flooding, burglary) or natural disaster
  • Bereavement

Openpay is committed to considering any other reasonable event or circumstances with the aim to help get you back on your feet.

What type of support do we provide?

Openpay assesses hardship on a case-by-case basis. In assessing your application, we may ask for additional information about your situation.
Based on your circumstances, a hardship arrangement could include:

  • Organising a payment plan
  • Moving payment dates
  • Waiving of late fees

We will work together to organise an arrangement that suits your individual situation.

How do I apply?

We are committed to ensuring accessing hardship assistance is inclusive, simple, and contains as few barriers as is possible.

To request hardship, please get in touch by telephone or our website using the details below:

Need Further Assistance:

If you would like access to additional financial support on how to manage your finances or access easy to use guides, you can contact:

The National Debt Helpline: A free government funded service that provides independent financial counselling and support. To speak to a financial counsellor, call the National Debt Helpline on 1800 007 007 or go to www.ndh.org.au.

Way Forward: a not-for-profit organisation offering free support for people to manage and repay their debts. Way Forward can help you if you have debts across multiple creditors, have an income but are experiencing financial difficulty. Contact 1300 045 502 or visit wayforward.org.au.