We’re here to help you
If you’re finding it hard to keep up with your credit card and personal loan repayments, whether you're dealing with job loss, illness, unexpected expenses or other challenges, we’re here to help.
We encourage you to reach out as early as possible. The earlier you contact us, the sooner we can work with you to understand your situation and consider the financial assistance available.
Reaching out is free and confidential, won’t affect your credit score and is the best first step towards getting the help you need.
Watch our video to learn more.
Financial assistance for your product
We understand that financial situations can change quickly. If you are or anticipate having trouble making your repayments, we want to work with you to find a solution. We will take the time to understand your situation and assess whether this support is suitable.
Credit cards
Temporary interest rate reduction
We’ll check if your credit card is eligible for a temporary interest rate reduction. If it is, your banker will explain the next steps. We’ll take the time to understand your situation to determine if this option may be suitable for you.
Flexible payment arrangement
This option allows you to make partial repayments for a limited time, usually starting with one or two months. We’ll talk through what this means for your circumstances and help you understand the implications. We’ll take the time to understand your situation to determine if this option may be suitable for you.
Payment break
If you're unable to make repayments for a few months, we may be able to offer a temporary payment break. This is typically available for up to three months. Interest will continue to be charged as usual. At the end of the payment break, you will need to repay the total amount that was not paid during that time. When you contact us, we will ask about your circumstances and explain what this option could mean for you. We will take the time to understand your situation and assess whether this support is suitable.
How to get support
Whether you need short or long term assistance, or something more specific, our range of compassionate teams are ready to speak with you and provide tailored support.
Short-term payment assistance
For situations where you’ve recently missed a payment or anticipate missing an upcoming one, short-term financial assistance may be able to be provided.
Call the NAB Assist team on 1300 661 114
International Phone Number: +6138 6419 142
Monday to Friday, 8:00am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 1:00pm (AEST/AEDT)
Ongoing financial hardship support
If your circumstances have changed and are affecting your ability to keep up with payments over time, tailored financial assistance may be able to be provided.
Call the NAB Care team on 1800 701 599
Monday to Friday, 8:00am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 1:00pm (AEST/AEDT)
Online financial assistance
You can submit a financial assistance request through NAB Internet Banking or the NAB app. Once submitted, our dedicated team will follow up with a phone call to discuss your situation.
Speak to a lending specialist
Debt consolidation lets you combine multiple debts such as credit cards and personal loans, into a single loan with one regular repayment. This can help simplify your finances and give you more control.
Contact us for personal loan enquiries by calling 13 22 65.
Tools and resources
Wherever you are in life, find the tools and resources that make managing your money easier.
How to save on interest
It is good to know the basics on how a credit card works and the different types of payments you can make towards it and what they mean.
How to avoid paying credit card interest
Understand how credit card interest works and how to manage your credit card balance to help you avoid paying interest.
Credit card comparison tool
Compare cards side-by-side with key rates and fees, special offers and included features all in one view. Make it easy to see if you have the most suitable card based on your needs.
Personal loans
Extending your loan term
If your loan meets the criteria, we may be able to extend the term. This can help reduce your monthly repayments and give your budget a bit more breathing room. We’ll take the time to understand your situation to determine if this option may be suitable for you.
Flexible payment arrangement
This option allows you to make partial repayments for a limited time, usually starting with one or two months. We’ll talk through what this means for your circumstances and help you understand the implications. We’ll take the time to understand your situation to determine if this option may be suitable for you.
Payment break
If you're unable to make repayments for a few months, we may be able to offer a temporary payment break. This is typically available for up to three months. Interest will continue to be charged as usual. At the end of the payment break, you will need to repay the total amount that was not paid during that time. When you contact us, we will ask about your circumstances and explain what this option could mean for you. We will take the time to understand your situation and assess whether this support is suitable.
How to get support
Whether you need short or long term assistance, or something more specific, our range of compassionate teams are ready to speak with you and provide tailored support.
If you wish to discuss your NAB Secured Car loan, please contact Plenti on 02 8349 2276.
Short-term payment assistance
For situations where you’ve recently missed a payment or anticipate missing an upcoming one, short-term financial assistance may be able to be provided.
Call the NAB Assist team on 1300 661 114
International Phone Number: +6138 6419 142
Monday to Friday, 8:00am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 1:00pm (AEST/AEDT)
Ongoing financial hardship support
If your circumstances have changed and are affecting your ability to keep up with payments over time, tailored financial assistance may be able to be provided.
Call the NAB Care team on 1800 701 599
Monday to Friday, 8:00am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 1:00pm (AEST/AEDT)
Online financial assistance
You can submit a financial assistance request through NAB Internet Banking or the NAB app. Once submitted, our dedicated team will follow up with a phone call to discuss your situation.
Speak to a lending specialist
Debt consolidation lets you combine multiple debts such as credit cards and personal loans, into a single loan with one regular repayment. This can help simplify your finances and give you more control.
Debt consolidation lets you combine multiple debts such as credit cards and personal loans, into a single loan with one regular repayment. This can help simplify your finances and give you more control.
Contact us for personal loan enquiries by calling 13 22 65.
Tools and resources
Wherever you are in life, find the tools and resources that make managing your money easier.
How NAB Personal Loan repayments work
A guide that with steps to help you make your repayments on time and learn how to manage your repayments to get ahead and pay off your loan sooner.
Personal loan rates and terms explained
Understand some of the basics when it comes to your personal loan and definition of key terms.
NAB Now Pay Later
Flexible payment arrangement
This option allows you to make partial repayments for a limited time, usually starting with one or two months. We’ll talk through what this means for your circumstances and help you understand the implications. We’ll take the time to understand your situation to determine if this option may be suitable for you.
Payment break
If you're unable to make repayments for a few months, we may be able to offer a temporary payment break. This is typically available for up to three months. Interest will continue to be charged as usual. At the end of the payment break, you will need to repay the total amount that was not paid during that time. When you contact us, we will ask about your circumstances and explain what this option could mean for you. We will take the time to understand your situation and assess whether this support is suitable.
How to get support
Whether you need short or long term assistance, or something more specific, our range of compassionate teams are ready to speak with you and provide tailored support.
Short-term payment assistance
For situations where you’ve recently missed a payment or anticipate missing an upcoming one, short-term financial assistance may be able to be provided.
Call the NAB Assist team on 1300 661 114
International Phone Number: +6138 6419 142
Monday to Friday, 8:00am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 1:00pm (AEST/AEDT)
Ongoing financial hardship support
If your circumstances have changed and are affecting your ability to keep up with payments over time, tailored financial assistance may be able to be provided.
Call the NAB Care team on 1800 701 599
Monday to Friday, 8:00am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 1:00pm (AEST/AEDT)
Online financial assistance
You can submit a financial assistance request through NAB Internet Banking or the NAB app. Once submitted, our dedicated team will follow up with a phone call to discuss your situation.
Speak to a lending specialist
Debt consolidation lets you combine multiple debts such as credit cards and personal loans, into a single loan with one regular repayment. This can help simplify your finances and give you more control.
Debt consolidation lets you combine multiple debts such as credit cards and personal loans, into a single loan with one regular repayment. This can help simplify your finances and give you more control.
Contact us for personal loan enquiries by calling 13 22 65.
Tools and resources
Wherever you are in life, find the tools and resources that make managing your money easier.
Manage expenses with NAB Now Pay Later
NAB Now Pay Later is a buy now pay later account that can help split unexpected or large bills and expenses into four easy repayments, lessening the burden and stress of paying one upfront bill.
How NAB Now Pay Later works
Learn how purchases, repayments and refunds work when using NAB Now Pay Later.
Frequently asked questions
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Once your account falls behind, expect to receive contact from NAB through phone, letter or SMS. This is us trying to reach you to understand if your situation has changed and discuss options that be suitable for situation.
We encourage you to get to get in contact with us as soon you can, to avoid any missed payments being reported on your credit report.
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Entering into a hardship arrangement does not affect your credit score. Your credit report will show you have had hardship on your account. This is something called a Financial Hardship Indicator and is on your credit report for 12 months. It will not include the reason for the arrangement.
If you miss repayments and do not enter an arrangement your credit score may be negatively affected.
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Yes. Interest continues to be charged while you are in a hardship arrangement.
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Once you enter into a hardship arrangement, there will be temporary restriction placed on your card. Once your account is up to date and no longer in hardship, you will be able to use your card.
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We may assess your income, assets, debt levels and ability to resume full repayments after the support period ends. If a hardship arrangement is not suitable, we may still help by offering an alternative payment plan.
Free support is also available from financial counselling services.
Financial assistance for your needs
Support for the products you rely on, when you need it most.
Home loan financial assistance
If you're finding it hard to make your home loan payments, we’re here to help with support options tailored to your needs.
Business financial assistance
If your business is under financial pressure, we have support options to help you through.
Extra support when you need it
We understand that life can be challenging sometimes. That’s why we offer support for a range of situations.
Disaster relief and support
NAB Ready Together can help if you’re affected by a natural disaster.
Supporting people experiencing domestic and family violence
We're helping customers keep their finances safe and access support services.
How to detect and avoid elder financial abuse and get help
Elder financial abuse can happen to anyone. Learn how to detect it, and avoid it.
Unplanned life moments
Sometimes things don’t go to plan. Divorce, illness or job loss can be unexpected. Here are some tools and guides to help.
Restrict gambling transactions on your NAB cards
Our gambling restriction allows you to block most gambling transactions on your personal NAB Visa Credit and Debit cards.
Customer Care Kit
A guide to trusted organisations that offer free financial counselling services and community support.
Accessible help for everyone
We offer a range of accessible services to help you access the right support, in the way that works best for you.
External support
Access support from our specialised external partners for tailored advice and additional assistance.
Moneysmart , opens in new window
Moneysmart is an Australian Government initiative offering free tools, tips and guidance to help you take control of your money.
National Debt Helpline , opens in new window
A not-for-profit service offering free, independent and confidential financial counselling to help you manage debt and get back on track.
Way Forward , opens in new window
A not-for-profit organisation that helps people doing it tough financially to manage and repay debts, especially across multiple banks, by working directly with lenders on your behalf.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Give us feedback
Suggestions, compliments and complaints.
Request financial hardship assistance online
If you’re having trouble making repayments, you can request assistance via our online form.
Important information
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