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Tech riderRev. 4 Oct 2026

Hardship Hub

Ch 225.4of 23 Debt Management Software
  1. 1Runs onWeb
  2. 2Costspaid from $2.20/mo
  3. 3Creditor trackingYes
  4. 4Counselor workspaceYes
4 lines stated Written from the maker's own pages: hardshiphub.com.au
Visit site Alternatives
The Hardship Hub homepage

Overview

Hardship Hub is ranked #22 of 23 in debt management software on Specifiction. It runs on Web. There is no free plan. Paid plans start at $2.20/mo.

Hardship Hub plans and pricing

All plans
Transaction fee $2.20/mo 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 hardshiphub.com.au · 4 Oct 2026
Application fee $49 once One-off, paid when the plan is built Covers financial assessment, plan preparation, and first creditor proposals hardshiphub.com.au · 4 Oct 2026

Compared on debt management software

Free plan
Nohardshiphub.com.au
Creditor tracking
Yeshardshiphub.com.au
Counselor workspace
Yeshardshiphub.com.au

Facts

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

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Where it ranks on Specifiction

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Sources