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When things get tough, we get behind you.

The beauty about banking with a member owned institution like The Mac is that we focus on banking with heart; on being as friendly, helpful & supportive as we can to each individual's circumstances. If you're finding it diffcult to keep up with your loan repayments or are falling on tough times, you may be able to apply for Hardship Assistance under the National Credit Code.

If illness, unemployment or another reasonable cause is impacting your abiliy to maintain your credit contract with us, you can apply to change the terms of your loan contact. We'll make a decision and if you're not happy with the outcome you can apply directly to the relevant court or tribunal in your State or Territory to change the terms of your contract.

  Things to remember
Hardship Assistance can take the pressure off temporarily, but it's important to think about your ability to repay your loan over the long term. If you believe your financial position isn't going to improve significantly or you're not sure about being able to repay your loan, contact us. Ignoring the problem isn't helpful; by telling us we might be able to talk to you through your options, or offer you some time and flexibility to help you make a decision about what to do next.
  When to ask us for help

If you answer yes to any of these questions, please contact us. We'd like to help if we can:

  • Have you lost your job?
  • Is your employment changing or do you know about a reduction in your income?
  • Are you suffering from illness or injury?
  • Are you going through a relationship breakdown or facing domestic problems?
  • Are you borrowing from friends and family just to manage?
  • Do you know about any changes in the future that will impact your ability to repay your loan?
Our team is here to help. Remember to contact us if you answered yes to any of the questions above.
  How we can help

Hardship Assistance can help see you through the really difficult times. Each situation and person is different, so Hardship Assistance differs on a case by case basis. Ways that we can help include:

  • Reducing your repayments
  • Extending the term of your loan
  • Offering you a 'payment holiday' where you don't make repayments within an agreed timeframe
  • Offering you debt consolidation to reduce your repayments
  • Offering you Mortgage Assistance
  • Help you with budget planning
The first step is to contact us. We can talk you through your options and will consider both short AND long term solutions for your situation. We're friendly, helpful & supportive, remember?
  How to apply for Hardship Assistance

You can apply for Hardship Assistance by contacting our Credit Control Team direct on (02) 4640 9921 (Margaret) or (02) 4640 9923 (Lee) 9am - 5pm, Monday to Friday. Alternatively you can download a copy of our Hardship Assistance Application Form and return it to us with any relevant supporting documents by:

  • Email: collections@themaccu.com.au
  • Post: The Mac, Attention: Credit Control, PO BOX 121, Camden NSW 2570

Once we receive your application, our Credit Control team will contact you to acknowledge that we've received your application and introduce themselves. Please feel welcomed to contact the team at any time during the processing of your application. We will then assess your application and contact you with in 21 days with the options we believe will benefit you the most.

While your application is being assessed, please continue to repay your loan as much as you can reasonably afford.

  Who is Hardship Assistance available to?

Hardship Assistance is available to ALL members of The Mac. We do our best to support each of our members when circumstances change. Remember, if you believe you could benefit from Hardship Assistance, please contact us.

  Does The Mac provide financial counselling services?
Financial counselling services are not avalable from The Mac. Where appropriate, we may suggest that members contact an independant financial counsellor.

Want to talk to a real person about Hardship Assistance?

You can request a call back from our team or call 1300 622 278, Monday to Friday 8am – 5:30pm.

Our Camden, Narellan, Picton or Tahmoor branch teams are also happy to help you with your enquiry.

Find out where our local branches are located.


  Find out more


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