Help with hardship

Life doesn't always go as planned, and at Smile Right we understand that sometimes you might need some assistance. The information below is worth considering if you're experiencing a level of financial hardship. If you have a question that doesn't fall into one of the below categories, please contact us.

Don't panic

Financial Difficulty Explained

  • Who is eligible for hardship assistance?
  • What is financial difficulty?
  • Clarifying misconceptions.

Self Help

  • How can I reduce my financial stress?
  • Tools to help you manage your money
  • What options are available?
  • Getting back on track.

Where to start

  • How do I apply for assistance?
  • How can I prepare?
  • What are the steps involved?

Financial Difficulty Explained

Do I qualify for financial assistance?

When unplanned events have an impact on your finances, it can come as a shock.

Financial difficulty can come about in many forms and effects people differently. For some it can be a gradual deterioration of financial stability or an unpredicted change in income. Others may experience emergency event in their lives.

You may be surprised as your situation is more common than you think. Either way sometimes a bit of breathing space goes a long away to help catch-up.

We're here to help.

Self Help

Where can I turn for help?

Our friendly team can work with you to establish a plan to help you get back on track.

Each application for assistance is individually assessed with a short or long-term solution tailored to provide you with some financial relief. Options may include reduced payments, repayment ‘holiday' periods or loan restructures.

While we can provide support if you are facing financial difficulties, it's also a great opportunity for you to review your budget. A break from your repayments is only a temporary solution; however you may need to assess your spending and determine your priorities.

Click on the View More button to see a complete list of the many free tools and resources available.

Helpful links

The list of resources below are here to help you navigate through important life events which may impact you financially.

Doing it tough

The Australian Bankers' Association has put together this detailed site with helpful information about how all Australian banks approach financial hardship.

View website


ASIC runs this free and independent service that has easy-to-use tools to help you manage your money, plan, invest, or pay off debt.

View website

Where to Start

What steps are involved to get help from Smile Right?

We realise that sometimes things can be tough but the good news is you're taking the first step right now on your road to financial recovery.

Next we need you to prepare an overview of your current financial situation. This will help us to quickly tailor the best possible outcome for you.

To do this you will need the following information at hand in preparing your request.

  • Your current income amount and how often you get paid. This includes any employment, government benefits, dividends etc.
  • Your living arrangements: are you renting, do you own your home, or live with family and friends?
  • Accounts you hold: what other loans, credit or store cards do you have outside of Smile Right? What are their current balances?
  • Your other financial obligations: for example your phone bills, childcare, insurance, etc.
  • Your family situation: are you married, single, do you have children?
  • Anything else you think might be relevant that we should know.
  • You can commence your application now by clicking on Apply for Assistance.

If you would like someone else to speak on your behalf you will need to complete the forms found here.

If you would prefer to talk to one of our specially-trained staff first, please call us on 1300 793 983 during our office hours.

If after working with Smile Right's internal dispute resolution process your issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.
Telephone: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001