What if I cannot repay on the due date?

If you think you will not have sufficient funds in your bank account to cover your repayment, contact us immediately to halt the direct debit.

You must contact us at least two business days prior to the direct debit date to avoid any failed payment fees.

If you don't contact us and you miss your repayment, the direct debit is declined by your bank resulting in a $35 failed payment fee from us plus a dishonour fee from your bank. Your account will then be considered overdue and you can be liable for further daily overdue fees to cover the cost of the collections process.

By advising us ahead of time you can avoid the failed payment fee and the fee imposed by your bank. We also give you 3 days to make up the payment without charging any additional fees. However if you are unable to make the payment within the 3 day period the $35 failed payment fee will be applied and you can be liable for further daily overdue fees, from the original payment date.

If you have problems repaying during the relationship, we may reduce the amount available to you on subsequent cash advances or make further cash advances unavailable. We are always careful to lend amounts which will not lead to repayment difficulty or bad credit - but we also ask you not to borrow from us if you think you might struggle to repay for any reason.

If you need to halt a direct debit you can catch us on the live chat or on 1300327828 within business hours.