We understand that life can take unexpected turns and that anyone can experience financial difficulty, due to unforeseen circumstances. Common events that may contribute to financial difficulty may include illness, change in income, relationship breakdown or emergency events like natural disasters and pandemics.

Our dedicated financial hardship team are committed to assisting you with finding a solution to help you get back on your feet. 

Financial counselling is a free service offered by community organisations, community legal centres and some government agencies. Financial counsellors can provide you more help if you need it.

The National Debt Helpline 1800 007 007 is open from 9:30am to 4.30pm, Monday to Friday. When you call this number you will be automatically transferred to the phone service in your state (opening hours can differ in different states). Calls from mobile phones may incur additional fees.

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How do I apply?

To make this process easy and as quick as possible, you may Apply online to start the process.

You can also apply for assistance over the phone by calling our dedicated team on 1800 336 636, Monday to Friday, 8.30am to 5:30pm (AEST) or by emailing us at

How can we support you?

BMW Motorrad Financial Services recognise that each person and situation is unique and therefore, the type of assistance that we provide will depend upon your individual circumstances.

What kind of support documents do I need to send?

We may ask you send us one or more of the following, dependant on your circumstance. If you already have this information available, please submit this with your online application or try to have it ready for when we call.

  • Relevant medical certificates
  • A recent payslip dated within the last three months
  • Separation Certificate if your employment has been terminated
  • 3 consecutive months of bank statements
  • Centrelink statements evidencing any payments

If you have a BMW Motorrad Commercial loan, please supply us with evidence regarding direct or indirect impacts to your business.

Will my credit file be impacted because I have applied for hardship assistance?

If your financial assistance application is approved and you follow all the terms of the arrangement, we will not report your repayment history information.

Does my Insurance cover financial hardship?

An insurance policy may cover the situation contributing to your financial hardship. Before applying for assistance, you may want to review any policies that you may hold, such as:

  • Income protection
  • Loan protection
  • Car Insurance


What if I am not happy with the outcome of the assessment?

If you’re not satisfied with the outcome of the assessment, you can refer your complaint to our Dispute Resolution team


 Phone: 133 269

Alternatively, submit your complaint online

How long will the application process take?

Depending on your circumstances, your online application may only take as little as 15 minutes to complete. To ensure that your application is assessed in a timely and accurate manner, we encourage you to complete all of the application so that we may provide you with the best suitable outcome.

When will I get a decision?

Upon submission of your application with all supporting evidence, our hardship team will endeavour to review all the information and you should have an outcome as soon as possible.

If our Hardship team require any further information from you, they will be in contact as soon as relatively possible. After this time, if we do not hear back from you or if we do not receive the required documentation your application may be declined due to insufficient information. You may reapply again if you still need to.

If we are able to support you, we may vary your loan contract(s) based on our agreed proposal and you will receive an email with your new payment schedule. Similarly, if we are unable to support you during this time we will contact you and discuss what other options may be available to you.

What happens if I still require assistance after my initial request?

If you've already applied for assistance but want to change or update your application, please wait for us to contact you first.

Once we get in touch, you can then ask to make a change to your application. Please don't complete another application online, as this may affect our response times.


If you would like to speak directly with our dedicated team, please contact us at:

Phone: 1800 333 636

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