We're on your side
Financial hardship support
If your circumstances change and a payment is genuinely hard to make, tell us early. There's almost always more we can do before a payment is missed than after.
This page is a draft prepared ahead of formal legal review, describing our current intended approach. It hasn't yet been signed off by our legal or compliance team.
What counts as hardship
Hardship is any genuine change in your situation that makes your regular payment difficult, such as losing a job, reduced hours, illness or injury, a relationship breakdown, or another unexpected event affecting your income.
How to ask for help
Email admin@whynotownit.com.au and ask for hardship support. A real person reads and responds themselves, not a bot. Where useful, we may ask for a short outline of what's changed, such as new income or expenses, so we can work out what's realistic.
What we may be able to do
- ✓ Temporarily reduce your weekly payment for an agreed period.
- ✓ Pause payments for a short time while things settle.
- ✓ Spread a missed amount across future payments instead of demanding it all at once.
- ✓ Talk through your options honestly, including what happens if the car needs to be handed back.
What's actually offered depends on your situation, and every case is genuinely looked at rather than run off a script.
Free independent help
The National Debt Helpline is a free, independent service that can help regardless of who you owe money to. Call them on 1800 007 007 or visit ndh.org.au.
If you're not happy with the outcome
If we can't agree on a plan that works, you can raise it as a complaint, see our complaints page, and from there escalate to the Australian Financial Complaints Authority (AFCA) if needed.
Last updated 10 July 2026.