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.

Request financial assistance

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.

What is debt consolidation?

Tools and resources

Wherever you are in life, find the tools and resources that make managing your money easier.

Credit reporting

Your credit history reflects how you manage debt and affects future borrowing.  Learn what shapes your credit score and how to improve it.

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.

Request financial assistance

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.

What is debt consolidation?

Tools and resources

Wherever you are in life, find the tools and resources that make managing your money easier.

Credit reporting

Your credit history reflects how you manage debt and affects future borrowing.  Learn what shapes your credit score and how to improve it.

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.

Request financial assistance

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.

What is debt consolidation?

Tools and resources

Wherever you are in life, find the tools and resources that make managing your money easier.

Credit reporting

Your credit history reflects how you manage debt and affects future borrowing.  Learn what shapes your credit score and how to improve it.

Frequently asked questions

  • 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.

  • 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.

    Understanding your credit report.

  • Yes. Interest continues to be charged while you are in a hardship arrangement.

  • 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.

  • 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.

Free, independent and confidential financial counselling

Financial counsellors offer free, independent and confidential advice to help you better manage your money and get you back on track. 

A financial counsellor may be able to speak directly with NAB and other lenders on your behalf, so you don’t have to manage conversations with multiple banks or service providers yourself.

Financial assistance for your needs

Support for the products you rely on, when you need it most.

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.

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.

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