Life Happens. We're Here to Help.
At Volkswagen Financial Services Australia, we understand that life can take unexpected turns. If you’re facing financial difficulty, please reach out to us early so we can understand your situation and work together on a solution that supports you
Situation that arise could be job loss, illness, relationship breakdown or family crisis or natural disasters which can make it hard to keep up with your loan repayments. If you're experiencing financial hardship, you're not alone and we're here to support you with compassion, flexibility, and practical solutions.
How We Can Help
We offer tailored financial hardship assistance to help you manage your repayments while you get back on your feet whether it is your first time or your hardship situation is continuing.
Financial hardship assistance is available whether you’re an individual, guarantor, joint borrower, business customer or could be a vulnerable customer.
Depending on your situation, we may be able to provide:
- Temporary payment deferrals
- Payment agreements
- Loan term extensions
- Other flexible options based on your needs
Every situation is different, and we’ll work with you to find the right solution message us.
What Is Financial Hardship?
Financial hardship means you're willing to meet your financial obligations but are temporarily unable to do so due to a change in your circumstances. This could include:
- Loss of income or employment
- Illness, injury, or disability
- Relationship breakdown or family crisis
- Natural disasters (e.g. floods, bushfires)
- Business downturn or legal issues
- Other unexpected events
Get in Touch Early
The sooner you reach out, the more we can do to help. Contact us through your preferred channel or click here to send a message.
- Email: hardship@vwfs.com.au
- Phone: 1300 734 567 (press 1 for our financial hardship assistance team) (Mon–Fri, 9am–5pm AEST)
- Mail: Hardship, Locked Bag 4002, Chullora NSW 2190
- Overseas: +61 2 9695 6311
What to Expect
- Share your storystatus: done
We may ask for documents to understand your situation.
- Get supportstatus: done
We'll work with you to create a plan that fits your needs.
Additional Support Services
We also encourage you to seek free, independent advice from:
- National Debt Helpline: 1800 007 007 | ndh.org.au
- Beyond Blue: 1300 22 4636 | beyondblue.org.au
- 1800RESPECT: 1800 737 732 | Support for family and domestic violence
- Ask Izzy – Connects people in crisis with nearby services: askizzy.org.au
- National Debt Helpline – Free, confidential financial counselling: ndh.gov.au | 1800 007 007
- Financial Counselling Australia – Free advice from qualified counsellors: financialcounsellingaustralia.org.au
- Alcohol & Drug Support – 24/7 counselling: 1800 250 015
- Gambling Help – 24/7 support and information: gamblinghelponline.org.au | 1800 858 858
Financial Hardship FAQ's
What is a financial hardship arrangement?
If you’re finding it difficult to make repayments or concerned about making repayment in future, because there’s been an unexpected change in your circumstances, alternative arrangements can be made until you are able to get back on your feet. These may include an agreement to defer repayments to a later time or making agreement to reduce repayments temporarily and make up for the balance at a later, mutually agreed time.
Do I need to provide documents?
We may be able to provide support over the phone, otherwise there may be a need for more details so we can make an assessment of your financial situation such as proof of income, medical certificates, or bank statements.
Will this affect my credit score?
No, entering a hardship arrangement won’t impact your credit score, but it may be noted on your credit report for transparency.
Can I still use my vehicle?
Yes, in most cases you can continue using your vehicle during the assistance period.
What should I do if I am struggling to keep up with my car repayments?
If you’re facing financial difficulty, please reach out to us early so we can understand your situation and work together on a solution that supports you.
Will financial hardship assistance impact my ability to get a new loan in future?
You can still apply for a new loan in future. A lender may ask for additional information about your circumstances to be sure that you’re able to meet the repayments on a new loan.
Will I still be able to obtain financial hardship assistance without supporting documents?
In certain circumstances, we may not ask you to provide supporting documents. Please contact us to discuss your circumstances and we’ll be able to provide you with support and information on how we can assist.
What does it mean if I’ve already missed payments?
Reach out to us so we can understand your situation and work together on a solution that supports you.
Take the First Step Today
If you're feeling overwhelmed by your financial situation, don’t wait. Reach out now and let’s find a way forward - together.
Contact Us for financial hardship assistance.