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Financial difficulty assistance

We understand there may be times when your personal circumstances change. You may experience an unexpected event or changes outside of your control like losing your job, suffering an illness or injury, being affected by a natural disaster, or a downturn in your business.

As a result, if you can’t afford the minimum repayment on your loan or credit card, and would like us to consider if we can provide financial difficulty assistance, please contact us immediately. The sooner you contact us the sooner we can try to help you.

In many instances help can be provided quickly and efficiently over the phone.

Otherwise we may need to do a more detailed assessment of your personal and financial circumstances to identify how we might be able to help.

Financial difficulty assistance is available to you, whether you are an individual, joint account holder, guarantor or small business customer. If you have a joint account and are experiencing financial difficulty, we can assist you individually if you request it.

If you would like to apply for assistance, please contact:

Adelaide Bank Mortgage Help Centre
Phone: 1800 650 258
Postal Address: PO Box 1048, Adelaide, South Australia 5001

Loan deferral

We’re committed to supporting our customers through challenging times as much as we possibly can, which may include loan deferrals.

This video explains the impact of possible changes to your repayments as part of a loan deferral.

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Animated video explaining your loan deferral options

Let our online calculator help you

You may like to use our online calculator to show the effect to repayments and total interest payable as a result of deferring and/or extending the loan term.


Other useful resources

If you are experiencing financial hardship, useful resources are available to you. These include:

  • The National Debt Helpline have easy to use, step-by-step guides on how to tackle debts - You can also call the National Debt Helpline on 1800 007 007 to talk to a financial counsellor for free, independent advice about your situation.
  • The Small Business Debt Helpline is a free financial counselling service for small business owners in financial difficulty. Visit or call 1800 413 828.
  • Financial Counselling Australia will help you find a financial counselling agency in your area -
  • ASIC’s ‘MoneySmart’ website provides information and tools to help you make the most of your money -
  • The ABA’s ‘Financial Hardship’ website can help know what to do if you are experiencing financial difficulties, how your bank can help, where to go for more information and how to apply for help -
  • The CreditSmart website has information on managing debt and hardship assistance.

Call us

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.
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