<?xml version='1.0' encoding='UTF-8'?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://help.breezefinance.com.au/knowledge-base/provide-feedback</loc><lastmod>2026-01-03</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/struggling-and-cannot-make-a-repayment</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/request-our-banking-details</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au</loc><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/AdobeStock_468358270.jpeg</image:loc><image:caption>AdobeStock468358270</image:caption><image:title>AdobeStock468358270</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/giving.png</image:loc><image:caption>giving</image:caption><image:title>giving</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/breeze%20finance.png</image:loc><image:caption>breezefinance</image:caption><image:title>breezefinance</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/question-mark.png</image:loc><image:caption>questionmark</image:caption><image:title>questionmark</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/breeze%20finance%20white.png</image:loc><image:caption>breezefinancewhite</image:caption><image:title>breezefinancewhite</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/user-management.png</image:loc><image:caption>usermanagement</image:caption><image:title>usermanagement</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/difficulties.png</image:loc><image:caption>difficulties</image:caption><image:title>difficulties</image:title></image:image><lastmod>2026-01-31</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/what-is-hardship</loc><lastmod>2025-12-19</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/canceling-direct-debit-authority</loc><lastmod>2026-02-24</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/missed-payment-notices</loc><lastmod>2026-01-26</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/contract-cancelation-fee</loc><lastmod>2026-02-17</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/gambling-problems</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/anxiety-and-depression</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/things-you-must-do-with-the-goods</loc><lastmod>2026-01-28</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/getting-back-to-work</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/what-are-my-legal-requirement-to-repay-a-loan</loc><lastmod>2026-01-28</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/what-is-a-credit-enquiry</loc><lastmod>2026-01-29</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/why-did-my-payment-fail</loc><lastmod>2026-02-08</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/personal-loan-fees</loc><lastmod>2026-01-01</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/request-copy-of-contract</loc><lastmod>2026-01-18</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/way-forward</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/can-i-remove-a-credit-enquiry-from-my-file</loc><lastmod>2026-01-29</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base</loc><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/user-management.png</image:loc><image:caption>usermanagement</image:caption><image:title>usermanagement</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/giving.png</image:loc><image:caption>giving</image:caption><image:title>giving</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/question-mark.png</image:loc><image:caption>questionmark</image:caption><image:title>questionmark</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/difficulties.png</image:loc><image:caption>difficulties</image:caption><image:title>difficulties</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/breeze%20finance%20white.png</image:loc><image:caption>breezefinancewhite</image:caption><image:title>breezefinancewhite</image:title></image:image><lastmod>2025-12-19</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/your-rights-when-you-buy-goods</loc><lastmod>2026-01-28</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/requesting-a-payout-figure</loc><lastmod>2026-01-15</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/making-a-complaint</loc><lastmod>2026-01-03</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/processing-times</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/does-breeze-have-an-app</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/i-want-to-return-the-goods-i-purchased</loc><lastmod>2026-01-28</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/how-to-recover-from-a-credit-default</loc><lastmod>2026-02-01</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/what-is-a-security-interest</loc><lastmod>2026-01-28</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/moneysmart</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/change-or-update-my-bank-account-details</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/applying-for-hardship</loc><lastmod>2025-12-20</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/appointing-or-removing-an-authorised-third-party</loc><lastmod>2026-01-03</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/kb-404</loc><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/breeze%20finance%20white.png</image:loc><image:caption>breezefinancewhite</image:caption><image:title>breezefinancewhite</image:title></image:image><lastmod>2025-12-19</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/what-is-a-payment-arrangement</loc><lastmod>2025-12-20</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/what-is-a-credit-default</loc><lastmod>2026-01-29</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/how-to-contact-us</loc><lastmod>2025-12-20</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/request-a-statement</loc><lastmod>2026-01-20</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/how-to-read-a-statement</loc><lastmod>2026-01-21</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/online-forms</loc><lastmod>2025-12-20</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/why-are-unscheduled-payments-being-deducted</loc><lastmod>2026-01-26</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/consequences-of-defaulting</loc><lastmod>2025-12-31</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/change-my-repayment-schedule-0</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/financial-hardship-faq</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/kb-search-results</loc><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/breeze%20finance%20white.png</image:loc><image:caption>breezefinancewhite</image:caption><image:title>breezefinancewhite</image:title></image:image><lastmod>2025-12-19</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/change-or-update-by-debit-or-credit-card-details</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/when-to-reach-out-to-us</loc><lastmod>2025-12-20</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/things-you-cannot-do-with-the-goods</loc><lastmod>2026-01-28</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/applying-for-a-payment-arrangement</loc><lastmod>2025-12-20</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/national-debt-helpline</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/what-fees-are-charged-on-payment-plans</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/how-can-i-personalise-my-repayment-reschedule</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/change-my-repayment-schedule</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/increase-your-regular-repayment-2-1</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/what-is-needed-to-apply-</loc><lastmod>2025-12-20</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/whats-happens-if-i-miss-payments</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://help.breezefinance.com.au/breeze-finance-blog</loc><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/breeze%20finance%20white.png</image:loc><image:caption>breezefinancewhite</image:caption><image:title>breezefinancewhite</image:title></image:image><image:image><image:loc>https://442512703.fs1.hubspotusercontent-ap1.net/hubfs/442512703/breeze%20finance.png</image:loc><image:caption>breezefinance</image:caption><image:title>breezefinance</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/is-there-a-cooling-off-period</loc><lastmod>2026-01-28</lastmod></url><url><loc>https://help.breezefinance.com.au/knowledge-base/experiencing-violence-or-abuse</loc><lastmod>2025-12-22</lastmod></url></urlset>