No. Once your account is placed under hardship you will no longer be able to make purchases or any other transactions. This is a preventative measure to help you from increasing your outstanding loan amount. further.

If you’re having any difficulties in making your recurring repayments or immediately paying any overdue amount, please fill out the hardship help form and we will contact you for guidance and support.

Your humm loan account will remain open, but we will temporarily block you from making any transactions.

We will discuss a hardship plan with you, which will include a payment arrangement, which we will review regularly to determine the best option moving forward given your changing circumstances.

We will let you know within 5–7 business days after receiving your hardship help form if we need further information. You will receive the outcome of your application within 21 days after application.

To apply for hardship, send us an enquiry through our the hardship help form and one of our team will be in contact.

Entering into a financial hardship arrangement does not affect your credit score, but your credit report will show you have entered into a financial hardship arrangement. During the arrangement your repayment history information will show whether or not you meet the agreed minimum payment obligations.

General guidance on credit reporting and financial hardship arrangements can be found on the CreditSmart website: Financial hardship and your credit report - CreditSmart