Financial Hardship Support

We know that sometimes life events such as illness, unemployment and relationship breakdowns can lead to financial difficulty. And so, we have options if you find yourself in this situation and are struggling to meet your repayments. 

In the first instance and ideally before you miss a repayment, please contact our friendly team on 0800 427 334 to discuss your situation and how we may be able to help. We are available Monday – Friday, 8am – 7pm.

Financial hardship applications 

In some circumstances, you may be able to submit a financial hardship application. This should be done as soon as you are aware of a change in your financial situation and there are criteria that must be met. You’ll need to apply to Lifestyle Money in writing and specify what changes you want to make. As a lender we must consider your application and follow specific processes required under the Credit Contracts and Consumer Finance Act. 

The Commerce Commission has produced an excellent fact sheet that explains when a borrower may be able to apply changes to a consumer credit contract because they are facing hardship. It is designed to give both lenders and borrowers understanding of when a hardship application is appropriate and what types of changes can be made to a contract. 

Making a financial hardship application

To make a financial hardship application, download the Lifestyle Money form and either email it to or post it to:

Lifestyle Money Limited
PO Box 58349
Auckland 2163

Lifestyle Money financial support policy

If you don’t meet the criteria for a financial hardship application, please contact one of our friendly team on 0800 427 334 to discuss the options we have available to support you. 

Financial Mentoring Services

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MoneyTalks is a free helpline available to provide free, confidential and independent budgeting advice to individuals, family and whanau.

If you are struggling with money or have concerns about your finances, get in touch with a trained financial mentor, phone 0800 345 123, text 4029, email or access online chat and more information at