{"id":312,"date":"2026-06-25T01:54:37","date_gmt":"2026-06-25T01:54:37","guid":{"rendered":"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=312"},"modified":"2026-07-06T11:56:15","modified_gmt":"2026-07-05T23:56:15","slug":"financial-hardship-support","status":"publish","type":"page","link":"https:\/\/cmcdeploytwo.co.nz\/pacific\/financial-hardship-support\/","title":{"rendered":"Financial Hardship Support"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;0px&#8221; css=&#8221;.vc_custom_1782352209285{padding-bottom: 0px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/white-pattern.webp?id=60) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; wpex_bg_position=&#8221;right center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782352190324{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;]\n<h1><strong>Financial<br \/>\nhardship support<\/strong><\/h1>\n<p>We understand that sometimes unexpected life events can make it difficult to keep up with loan repayments.<\/p>\n<p>If your financial situation has changed due to illness, injury, loss of employment, the end of a relationship or another reasonable cause, you may be able to apply for a hardship variation.<\/p>\n<p>We encourage customers to contact us as early as possible if they are experiencing financial difficulty.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][\/vc_column][\/vc_row][vc_row column_spacing=&#8221;60&#8243; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782265760732{margin-top: 50px !important;margin-bottom: 50px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221; text_align=&#8221;left&#8221;]\n<h2><strong>Applying for a<br \/>\nhardship variation<\/strong><\/h2>\n<p><strong>To apply for a hardship variation, you will need to:<\/strong><\/p>\n<ul>\n<li>send us your application in writing<\/li>\n<li>explain what has changed in your situation since taking out the loan<\/li>\n<li>tell us the support or repayment change you are requesting<\/li>\n<\/ul>\n<p><strong>Requests may include:<\/strong><\/p>\n<ul>\n<li>extending the term of the contract to reduce repayment amounts<\/li>\n<li>postponing repayment dates for a period of time<\/li>\n<li>or a combination of both<\/li>\n<\/ul>\n<p>Please note that verbal applications cannot be processed.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221; text_align=&#8221;left&#8221;]\n<h2><span style=\"color: #00adee;\"><strong>Important<br \/>\ninformation<\/strong><\/span><\/h2>\n<p><strong>It is important to contact us as soon as possible if you are experiencing financial hardship.<\/strong><\/p>\n<p>In some situations, a lender may not be required to consider a hardship application if:<\/p>\n<ul>\n<li>the application is made too late<\/li>\n<li>or the circumstances were reasonably foreseeable at the time the loan was entered into<\/li>\n<\/ul>\n<p>For example, if a customer was aware they were likely to lose their job before signing the loan contract, this may be considered reasonably foreseeable.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; column_spacing=&#8221;60&#8243; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782351852420{margin-top: 50px !important;padding-top: 100px !important;padding-bottom: 50px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/divider2.svg?id=10) !important;background-position: 0 0 !important;background-repeat: repeat-x !important;}&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; wpex_bg_position=&#8221;top center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782352358282{margin-bottom: 40px !important;padding-top: 80px !important;}&#8221;]\n<h2><strong>Independent budgeting<br \/>\nand financial advice<\/strong><\/h2>\n<p>If you are worried about your finances, free and confidential budgeting and financial capability advice is available through MoneyTalks.<\/p>\n<p>MoneyTalks is an independent service funded by the Ministry of Social Development.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782352444196{margin-bottom: 40px !important;padding-top: 80px !important;}&#8221;]\n<h2><strong>Contact<br \/>\nMoneyTalks<\/strong><\/h2>\n<p><strong>Phone<\/strong> <a href=\"tel:0800 345 123\">0800 345 123<\/a><\/p>\n<p><strong>Text<\/strong> 4029<\/p>\n<p><strong>Email<\/strong> <a href=\"mailto:help@moneytalks.co.nz\">help@moneytalks.co.nz<\/a><\/p>\n<p><strong>Website<\/strong> <a href=\"https:\/\/www.moneytalks.co.nz\">www.moneytalks.co.nz<\/a>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1782351731402{padding-top: 50px !important;padding-bottom: 0px !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}&#8221; wpex_bg_position=&#8221;bottom center&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1782352460877{margin-bottom: 40px !important;}&#8221; width=&#8221;80%&#8221; text_align=&#8221;center&#8221;]\n<h2><strong>Need to talk to us?<\/strong><\/h2>\n<p>If you are experiencing financial difficulty, we encourage you to contact our team as early as possible.[\/vc_column_text]<div class=\"vcex-multi-buttons wpex-flex wpex-flex-wrap wpex-items-center wpex-gap-10 wpex-justify-center\"><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=286\" title=\"Contact\" class=\"theme-button flat outline-transparent wpex-text-center vcex-count-1\">Contact Us<\/a><a href=\"tel:O800%20744%20227\" class=\"theme-button flat outline-transparent wpex-text-center vcex-count-2\">Call O800 744 227<\/a><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column]<figure class=\"vcex-image vcex-module vcex-fill-column wpex-text-center\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block\"><img width=\"2400\" height=\"821\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application.webp\" class=\"vcex-image-img wpex-align-middle\" alt=\"Pacific Finance Application Process\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application.webp 2400w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application-300x103.webp 300w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application-1024x350.webp 1024w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application-768x263.webp 768w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application-1536x525.webp 1536w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application-2048x701.webp 2048w\" sizes=\"auto, (max-width: 2400px) 100vw, 2400px\" \/><\/div><\/figure>[\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;0px&#8221; css=&#8221;.vc_custom_1782352209285{padding-bottom: 0px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/white-pattern.webp?id=60) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; wpex_bg_position=&#8221;right center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782352190324{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;] Financial hardship support We understand that sometimes unexpected life events can make it difficult to keep up with loan repayments. If your financial situation has changed due to illness, injury, loss&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-312","page","type-page","status-publish","hentry","entry","no-media"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Financial hardship support We understand that sometimes unexpected life events can make it difficult to keep up with loan repayments.\" \/>\n\t<meta name=\"robots\" content=\"noindex, nofollow, max-image-preview:large\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/financial-hardship-support\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Pacific Finance -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Financial Hardship Support - 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