§ Pricing

Two fees.
Nothing else.

Hardship Hub has one of the simplest fee structures in the industry. A one-off application fee, then a small monthly processing fee per creditor that comes out of your Temporary Hardship Plan payment while it's active.

Application fee
$49
one-off, paid by you

Charged to you when your plan is built. Covers your financial assessment, plan preparation, and the first round of proposals sent to your creditors.

Transaction fee
$2.20
per payment to a creditor

Charged each time we send a payment to one of your creditors. Most plans run one payment per creditor per month — so a four-creditor plan sees four transaction fees per month, taken from your single direct debit before we distribute the rest. Skipped months and removed creditors don't incur the fee.

§01 · Worked example

What it costs in practice.

Sarah has 4 unsecured debts — a credit card, a personal loan, a phone bill, and a BNPL account. Her plan runs for the standard 3 months while creditors hold off enforcement. The $2.20 transaction fee is charged each time we send a payment to one of her four creditors — four payments per month, four fees, all deducted from her single direct debit before we distribute the rest.

Application feeOne-off$49.00
Transaction fees4 creditors × 3 monthly payments × $2.20$26.40
Total fees$75.40

Spread across 3 months · about $25/month total

§02 · What you never pay

Honest, by design.

  • Hidden fees or charge-by-charge add-ons
  • Exit fees or cancellation penalties
  • Application fees if your plan can't proceed
  • Anything you haven't agreed to in writing first
§03 · Common questions

About the fees.

  • Who pays which fee?

    You pay the $49 application fee directly, by direct debit once your plan is built. The $2.20 transaction fee is charged each time we send a payment to one of your creditors — taken from your single Temporary Hardship Plan direct debit before we distribute the rest. So if your plan covers four creditors, that's four transaction fees per month built into the same payment, not four separate charges.

  • What if a creditor rejects or doesn't respond?

    Transaction fees are only charged when we actually send a payment. If a creditor rejects the proposal and is removed from your plan, no fee is charged for that creditor. Your $49 application fee covers the assessment work regardless of how creditors respond.

  • What if I can't afford a Temporary Hardship Plan payment?

    If your situation means you can't afford any ongoing payment, the plan may still proceed as a short hardship pause with creditors and only the $49 application fee applies. We'll walk you through your options before you commit.

  • Can the fees change?

    Pricing changes only ever apply to new plans. Once your plan is active, the rates you signed up to are locked in for its full duration.

See all frequently asked questions

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