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SPECIFICTION
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Hardship Hub

hardshiphub.com.au

From $2.20/mo Web
Visit hardshiphub.com.au
Spec score 7.1 #19 of 23 in Debt Management Software

Spec sheet

What it does
Hardship Hub coordinates Temporary Hardship Plans that bundle unsecured debts into one monthly payment distributed to creditors.Read 4 Oct 2026 · hardshiphub.com.au
Security
The privacy policy says data is encrypted in transit using TLS and at rest using AES-256, with Australian-hosted primary data storage.Read 4 Oct 2026 · hardshiphub.com.au
Affordability
The proposed payment is sized using the Household Expenditure Measure and the applicant’s financial information.Read 4 Oct 2026 · hardshiphub.com.au
Complaints support
The company says it acknowledges complaints within one business day and responds in writing within 30 days.Read 4 Oct 2026 · hardshiphub.com.au
Counsellor workflow
Financial counsellors can refer clients or lodge on their behalf, track creditor response windows, and see outcomes and refusals.Read 4 Oct 2026 · hardshiphub.com.au
Credit checks
The application does not involve a credit check or obtain a credit file or score.Read 4 Oct 2026 · hardshiphub.com.au
Creditor response period
Creditors have up to 21 days to respond to proposals.Read 4 Oct 2026 · hardshiphub.com.au
Debts not covered
The service excludes ATO debts, court-ordered debts or fines, child support, HECS/HELP loans, and secured debts such as mortgages or car finance.Read 4 Oct 2026 · hardshiphub.com.au
Eligible users
The service is described for Australian residents experiencing genuine financial hardship with unsecured consumer debts.Read 4 Oct 2026 · hardshiphub.com.au
Launch status
The site says the service is not yet open to consumers pending licence finalisation.Read 4 Oct 2026 · hardshiphub.com.au
Payment integrations
The privacy policy names Stripe for application-fee processing and Zai for direct-debit collection and creditor distribution.Read 4 Oct 2026 · hardshiphub.com.au
Plan duration
A Temporary Hardship Plan runs for three months.Read 4 Oct 2026 · hardshiphub.com.au
Privacy compliance
Hardship Hub says it is bound by the Australian Privacy Principles under the Privacy Act 1988 (Cth).Read 4 Oct 2026 · hardshiphub.com.au

Plans and prices

Transaction fee $2.20 a month Per payment sent to a creditor; deducted from the consolidated payment Only charged when a payment is sent; skipped months and removed creditors incur no fee Read 4 Oct 2026 · hardshiphub.com.au
Application fee $49, paid once One-off, paid when the plan is built Covers financial assessment, plan preparation, and first creditor proposals Read 4 Oct 2026 · hardshiphub.com.au

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Where Specifiction places it

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