Hardship Hub
Hardship Hub is a web service for Australian residents facing genuine financial hardship with unsecured consumer debts.
What Hardship Hub is
Hardship Hub is a web service for Australian residents facing genuine financial hardship with unsecured consumer debts. It coordinates a Temporary Hardship Plan that combines eligible debts into one monthly payment distributed to creditors. Plans run for three months, with proposed payments sized using the Household Expenditure Measure and the applicant’s financial information. Creditors can take up to 21 days to respond. Applications do not involve a credit check or obtain a credit file or score. Financial counsellors can refer clients or lodge applications for them, monitor creditor response windows, and view outcomes and refusals. The service excludes ATO debts, court-ordered debts and fines, child support, HECS/HELP loans, and secured debts such as mortgages or car finance. Fees listed are $49, paid once for an application and $2.20 a month per payment sent to a creditor. The site says consumer access has not opened while licence finalisation is pending. Data is encrypted in transit and at rest, with Australian-hosted primary storage.
Good
- Three-month hardship plans
- No credit check or credit file obtained
- Counsellor referral and tracking tools
- Australian-hosted primary data storage
- Creditor response tracking
Watch out
- Not yet open to consumers
- Excludes secured and listed government debts
- 49.00 USD one-off application fee
- $2.20 per creditor payment
Who it suits
Hardship Hub is intended for eligible Australian residents with unsecured consumer debts and genuine financial hardship. Financial counsellors can also use its referral and tracking workspace.
Verdict
Hardship Hub organizes eligible unsecured debts into a temporary consolidated-payment plan without a credit check. Its current launch status and debt exclusions are important constraints, along with the listed application and transaction fees.
Plans and prices
From Hardship Hub's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Transaction fee | $2.20 a month | Only charged when a payment is sent; skipped months and removed creditors incur no fee · Per payment sent to a creditor; deducted from the consolidated payment |
| Application fee | $49, paid once | Covers financial assessment, plan preparation, and first creditor proposals · One-off, paid when the plan is built |
The facts
Each one read from Hardship Hub's own pages, with the date it was checked.
What it does
- Affordability
- The proposed payment is sized using the Household Expenditure Measure and the applicant’s financial information.checked 4 Oct 2026
- Complaints support
- The company says it acknowledges complaints within one business day and responds in writing within 30 days.checked 4 Oct 2026
- Counsellor workflow
- Financial counsellors can refer clients or lodge on their behalf, track creditor response windows, and see outcomes and refusals.checked 4 Oct 2026
- Credit checks
- The application does not involve a credit check or obtain a credit file or score.checked 4 Oct 2026
- Creditor response period
- Creditors have up to 21 days to respond to proposals.checked 4 Oct 2026
- Debts not covered
- The service excludes ATO debts, court-ordered debts or fines, child support, HECS/HELP loans, and secured debts such as mortgages or car finance.checked 4 Oct 2026
- Eligible users
- The service is described for Australian residents experiencing genuine financial hardship with unsecured consumer debts.checked 4 Oct 2026
- Launch status
- The site says the service is not yet open to consumers pending licence finalisation.checked 4 Oct 2026
- Payment integrations
- The privacy policy names Stripe for application-fee processing and Zai for direct-debit collection and creditor distribution.checked 4 Oct 2026
- Privacy compliance
- Hardship Hub says it is bound by the Australian Privacy Principles under the Privacy Act 1988 (Cth).checked 4 Oct 2026
- Security
- The privacy policy says data is encrypted in transit using TLS and at rest using AES-256, with Australian-hosted primary data storage.checked 4 Oct 2026
- What it does
- Hardship Hub coordinates Temporary Hardship Plans that bundle unsecured debts into one monthly payment distributed to creditors.checked 4 Oct 2026
Money
- Plan duration
- A Temporary Hardship Plan runs for three months.checked 4 Oct 2026
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