Hardship HubA path back
to even.
Hardship Hub is a national program for Australians in financial hardship. We bundle your debts into one affordable monthly payment — designed with you and negotiated with your creditors on your behalf.
- One payment
- A single monthly direct debit replaces every creditor chase.
- Fair by design
- Built on the HEM benchmark — no budget you can't afford.
- No credit check
- Looking at your situation doesn't touch your credit file.
The rails for how Australia handles financial hardship.
Hardship Hub is a national platform connecting consumers in financial hardship, financial counsellors, and creditors through a single Temporary Hardship Plan workflow. We replace phone tag, paper forms, and inconsistent outcomes with a structured arrangement and one source of truth.
Hardship Hub Pty Ltd (ACN 695 494 181) provides credit assistance as an authorised representative of Revive Financial Pty Ltd under the National Consumer Credit Protection Act 2009 (Cth). Built in Australia, for Australia. See our Financial Services Guide for the licensing detail.
A clear, dignified path forward.
Tell your story once. We size an affordable plan against the HEM benchmark, propose it to your creditors, and collect a single monthly payment.
No credit check to apply. No exit fees. Free financial counselling is always an option — we'll point you to the National Debt Helpline (1800 007 007) if it's the better fit.
Read more →One workflow, every creditor, every case.
Less admin, more time with the people who need you. Submit hardship arrangements through one portal that talks to every creditor in our network.
We're a tool, not a competitor. Refer clients in, see outcomes, escalate where you need to.
Read more →Hardship handled at the speed your customers need.
A single inbox of structured proposals, one-click accept or reject, defensibility evidenced for AFCA, the Banking Code, ASIC RG 271 and Report 783.
Lower cost-to-serve than spreadsheets and shared mailboxes. Plug in alongside your existing collections stack.
Read more →Investor, partner, financial counsellor, creditor, or someone in hardship — we read every message and usually reply same-day.