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We understand that temporary setbacks can be tough both financially and emotionally. The struggle of trying to meet your financial commitments can be a major burden in these times. 


Our practice has always been to actively assist any member facing difficult financial circumstances. This involves an assessment of the borrower's ability to meet the obligations of a loan against the individual circumstances of hardship.If you are unable reasonably, because of illness, unemployment or other reasonable cause, to meet your obligations under a credit contract you may apply to change the terms of your loan contract.

If you find yourself in this situation, please contact Lucy on (02) 8754 8400 between 9:00am and 4:00pm weekdays or complete our online enquiry form.

Following receipt of your application, a member of the Select Encompass Credit Control team will contact you to acknowledge receipt of your application and provide you with their direct contact details. You are invited to contact that team member at any time during the process.

Your application for hardship assistance will be assessed and we will then contact you to discuss the most appropriate solution for your situation.

A decision will be communicated to you within 21 days.

While your request for assistance is being assessed however, you should pay as much as you can reasonably afford off your loan.

It may also assist you to know that you are able to seek assistance for other loans or credit products you may have with other financial institutions by contacting them.


  • Thank you so much for all your help along the way


    You were vital to keeping everything running as smoothly as it did. I sincerely appreciate t

  • I have not experienced such excellent service when borrowing money


    I really have to thank you for the work you have done today.

    I have not experienced such

  • Thank you for all your hard work


    Thank you for all your hard work and the efficiency you have shown in getting approvals so f

  • Thank you again


    Just want to take this time to thank you for your assistance with my paying off my home loan

  • Really great to be treated like a person


    Once again thank you for all your help. It really great to be treated like a person. ‒ Di

  • Very helpful


    All of your information is very helpful and it's been a joy dealing with you. ‒ Karen

  • Pleasant Experience


    Each time we have had contact with any of the staff at Select Encompass Credit Union it ha

  • Most unexpected thrill to win


    I wish to thank you for the IPAD I won by filling out a member survey and which I collected

  • How appreciative I am of your Credit Union


    I can't believe that I have been with the credit union so long and I plan to be with you

  • So glad to be a member of Select Encompass


    Thankyou so much for your assistance. You can't know how grateful I am. I am just so g

  • You made the process extremely easy


    Steve and I would like to say thank you for your help on our loan. You made the process extr

  • Nice to know a bank cares


    Nice to know a bank cares! ‒ Liz


  • I just love the personalised service!


    This is why I've stayed with a credit union just love the personalised service :) Thanks

  • Your services have grown with me as my needs have changed


    I have been banking with the credit union for 15 years now and your services have grown with

  • I wish to highly commend staff at the Gymea Branch


    I wish to highly commend staff at the Gymea Branch for extremely pleasant and professional s

  • Big tick for Select Encompass


    Thanks for your help through the process. Big tick for Select Encompass for being an easy-