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Unemployment or income loss

Getting back on your feet during times of financial difficulty

We know that periods of unemployment or income loss can be stressful. We have compiled some resources and support options to help you during these periods.

Financial Hardship

We understand that periods of unemployment or income loss can be highly stressful. If you are worried about your financial situation or your ability to make repayments, you may want to consider applying for financial hardship assistance. Visit our Financial Hardship page for further information regarding the application process. 

Learn more

Tools to help you get back on track

Making use of the helpful resources offered by Citi can help you feel more in control of your finances.


Support services

  • Financial support

    National Debt Helpline

    A free, confidential service to assist people in financial difficulty. National Debt Helpline have qualified professionals who can provide you with information, support and advocacy. 

    1800 007 007 

    Operating Hours: Monday to Friday, 9.30 - 5.30pm 

    Australian Financial Security Authority 

    Useful information and statistics, as well as application forms for managing debts and insolvency in Australia.


    Easy-to-use tools to help you manage your money, plan, invest, or pay off debt.

    Way Forward

    Not-for-profit organisation which aims to help people manage and repay their debts. 

    1300 045 502

    Operating Hours: Monday to Friday, 9am - 5pm

  • Legal support

    Community legal centres Australia 

    A directory of community legal centres in Australia.

    Women's legal services Australia 

    A network of legal centres specialising in women's legal services.

  • Emotional support


    Provides Australians experiencing mental distress with access to 24 hour crisis support and suicide prevention services. 

    Calls to Lifeline made from a mobile are free. Calls made from a landline are charged the cost of a local call.

    People speaking languages other than English can ring the Translating and Interpreting Service on 131 450 and ask for Lifeline help. 

    Persons who have hearing or speech impairment can request Lifeline support via their usual National Relay Service option.

    13 11 14

    Available 24/7

    R U OK?

    A not-for-profit organisation helping inspire everyone to have regular, meaningful conversations to help anyone who might be struggling with life's ups and downs.

    Beyond Blue

    Available 24/7, the telephone support service provides information and advice from a mental health professional.

    1300 22 4636

    Available 24/7

    Suicide callback service

    A nationwide service that provides professional 24/7 telephone and online counselling to people who are affected by suicide.

    1300 659 467

    Available 24/7

    Head to Health 

    An Australian Department of Health initiative. It brings together apps, online programs, online forums and phone services to help you find digital mental health organisations, information and resources to help improve your wellbeing or help someone you care about.