--- title: What is financial hardship description: This section discusses financial hardship, emphasising that difficulties in meeting repayment plans or personal loans are common and manageable. It encourages early contact for support and highlights that various factors can contribute to repayment challenges. --- [Skip to content](https://help.breezefinance.com.au/knowledge-base/what-is-hardship#main-content) [Sign in](https://help.breezefinance.com.au/_hcms/mem/login?redirect_url=https%3A%2F%2Fhelp.breezefinance.com.au%2Fknowledge-base%2Fwhat-is-hardship&hsLang=en-au) Open main navigation Close main navigation - [Sign in](https://help.breezefinance.com.au/_hcms/mem/login?redirect_url=https%3A%2F%2Fhelp.breezefinance.com.au%2Fknowledge-base%2Fwhat-is-hardship) How can we help you? - There are no suggestions because the search field is empty. 1. [Breeze Finance](https://help.breezefinance.com.au/knowledge-base?hsLang=en-au) 2. [ Difficulty paying ](https://help.breezefinance.com.au/knowledge-base/difficulty-paying?hsLang=en-au) 3. [ Financial hardship ](https://help.breezefinance.com.au/knowledge-base/difficulty-paying?hsLang=en-au#financial-hardship) # What is financial hardship ## Discover what hardship truly means and learn how to recognise if you're in a tough situation. Understanding these can help you navigate challenging times with more confidence. Financial hardship happens when you're having difficulty making your repayments on your payment plan or personal loan, and that's okay. If you're finding it hard to keep up, don't hesitate to contact us early—we're here to support you and help find a solution that works for you. Remember, anyone can face financial challenges at any time. There are many reasons why repayments might become tough, including, but not limited to: - Rising cost of living - Injury or illness - Unexpected or essential expenses - Unemployment or income reduction - Relationship breakdown - Domestic violence - Financial abuse - Natural disasters - Gambling Remember, you're not alone, and we're here to support you during tough times. If you're facing financial challenges, our team may be able to help you. Click [HERE](https://help.breezefinance.com.au/knowledge-base/what-is-needed-to-apply-?hsLang=en-au) to learn more about the application requirements. #### **NEED A SHORT-TERM ARRANGEMENT** If you need temporary relief with just a few payments, a payment arrangement might be more suitable. 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