Global Hardship Policy

Life doesn't always go as planned, and at Inkpay we understand that sometimes you might need some assistance. Inkpay was created to make budgeting easier, so we understand that managing your finances can sometimes be challenging due to unforeseen circumstances. Our hardship policy aims to help customers who are unable to meet their repayments in accordance with our terms of use and your INKPAY payment schedule.

What is financial hardship?

Financial hardship is more common within society than people might think, and many people will find themselves in financial hardship at some point in their life. A period of financial hardship is often temporary and, given time, many customers overcome their financial difficulties and repay their debts.


Inkpay’s approach to hardship

If you are experiencing a recent natural disaster, unemployment, illness, or other personal reasons that prevent you from meeting your agreed financial obligations, please get in touch to discuss support options.


This may include extending your repayment schedule, waiving late fees, or creating a personalised repayment schedule that will alleviate your hardship while still being able to meet your obligations and keep your Inkpay account in good standing.


INKPAY treats all hardship applications as urgent matters and will assist as quickly as possible.


How to apply for hardship?

Simply get in touch via the email below, and you will be asked to fill in an application form to provide details of the hardship you are experiencing. If you can provide supporting documents to confirm the circumstances of your application, this will help us tailor a custom solution that works for your situation.

Email: [email protected]

To help, please provide the following information:

  • The circumstances surrounding your situation.
  • What amounts you can repay in the meantime and when can you commence making these payments; and
  • How long you foresee the situation lasting.


Get debt support globally below:


  • Australia
  • New Zealand
  • United Kingdom



National Debt Helpline: If you’re experiencing financial hardship, you can receive free, independent advice from The National Debt Helpline website ( You are also able to call the National Debt Helpline on 1800 007 007 to speak with a financial counsellor.


Experiencing financial stress can impact your mental health. If you're concerned about your mental wellbeing, help is available. Contact Beyond Blue on 1300 22 46 36 (24 hours a day). Or use Beyond Blue's web chat (3pm to 12am).


New Zealand

MoneyTalks: If you’re looking for free financial helpline for advice and support from trained financial mentors, MoneyTalks can assist. MoneyTalks can also connect you with services in your community.

Phone0800 345 123

Free Text: 4029

Email[email protected]


If you're concerned about your mental wellbeing, help is available. Lifeline is a free, nationwide service available 24 hours a day, 7 days a week and is operated by highly trained and experienced telephone counsellors who have undergone advanced suicide prevention training. Contact Lifeline on 0508 828 865.


United Kingdom

Step Change is UK's largest provider of free debt advice and the widest range of debt solutions, online or over the phone.

Freephone helpline (Monday to Friday from 8.00 am to 8.00 pm) 0800 138 1111



If you're concerned about your mental wellbeing, help is available. Samaritans( is a free confidential emotional support for people who are experiencing feelings of distress, despair, or suicidal thoughts. You can call Samaritans by phone on 116 123 (free to call from within the UK and Ireland), 24 hours a day, or email them on [email protected]