Financial Hardship

Are you experiencing unforeseen hardship?

At CFS, we understand that things don’t always go to plan. You may have had an unforeseen change in circumstances which has you struggling to meet your regular payments, either in the short term or permanently.

If you have experienced an unforeseen event, such as injury, illness, changes to your regular income or a relationship breakdown, we may be able to help you by reducing the financial stress during this time.

Help is just a phone call away! Give our Customer Care team a call on 0800 88 2000 or email them at to discuss your situation, and we’ll work with you to get the best possible outcome. We’ll do our best to make the process as simple and stress-free as possible.

Alternatively, you can complete an online hardship application form and we will be in contact with you.

Need some advice about your finances?

Did you know that there are lots of free and independent budgeting tools and services available to help you with your finances? MoneyTalks is a helpline answered by trained financial mentors that provides free budget tools and advice to individuals, family and whānau struggling with their finances. You can reach them at or email to or call 0800 345 123 (Freephone).


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