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Hardship Policy

Customised Car Finance Hardship Policy

Courtesy Investments Pty Ltd T/AS Customised Car Finance - Hardship Policy

If there are outstanding circumstances where the loan cannot be repaid on its conditions the borrower can notify for Financial Hardship Assistance.  Customers generally can only notify for assistance if they have experienced some sort of event that has caused their hardship. It is not designed for people who have just decided not to pay their debts.  Some of the circumstances that could be eligible for assistance are:

 Injury or illness 
 Unemployment 
 Divorce or relationship separation 
 Death of a spouse 
 Natural Disasters 
 Unexpected reduction in income 

The types of assistance available will vary depending on individual circumstances. For eligible customers, assistance may include: 
 Repayment arrangements based on what the borrower can afford to pay at the time 
 Reduced repayments 
 Interest adjustments 
 Repayment extension periods 

We would ask a customer to fill out an income versus expenditure table and the reasons and cause of their applying for hardship assistance.

We would look to come to an agreement of reduced payments with a longer term for example in these circumstances.

We would ask for 90 days bank account statements to do our assessment. 

Hardship applications will be processed within 21 days if no additional information is needed from the customer. If additional information is required Courtesy Investments will provide a notice to the borrower within 21 days requiring the debtor to provide within (a further) 21 days, specified information relevant to the hardship application.

If the information was asked for not provided Hardship application would be processed 28 days after the additional information was requested.  A notice will be provided to the customer to agree/disagree with the change as per the timeframes above.

What types of loans do we do?

These are just a few. Need something a bit different? Talk to us.


We are car loan experts. We work with you to customise a loan that suits your exact needs. No cookie cutter one product fits all, just great service and a real desire to understand exactly what you are looking to achieve.

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Hit the road or the trails in a customised bike loan. We tailor the repayments and loan term to suit your needs and requirements not just a one deal fits all approach.

get A CustomiSed quote


Keen to get out on the water? Let Customised tailor a specific loan solution to your needs and lifestyle. No two people are the same, why should any two loans be the same as well?

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Need a loan for your business car, truck or equipment. We specialise in understanding your current business situation and customising a loan package to suit.

get A CustomiSed quote


Private sales are becoming increasingly popular with the rise of Gumtree and Facebook Classifieds. Alot of lenders will not assist where the item being purchased is not being bought from a Licensed Dealer. We understand, so we happily help our clients with Private Sale purchases.

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We understand not everyone has a perfect past. That doesn't mean you should be unable to get credit now. We focus on the positives of your current situation and less on the problems of the past. Talk to us today about what we can do to help you.

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Contact Us

Based on the Sunshine Coast, helping Queenslanders like you with finance options


(07) 5437 6089

(07) 5493 5277

663 Nicklin Way
QLD 4575

PO BOX  264
Moffatt Beach QLD 4551

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