Hardship Hub review
A focused web workspace for building, tracking and distributing hardship arrangements.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Hardship Hub is an Australian web platform for coordinating temporary financial-hardship arrangements involving unsecured consumer debts. It is designed for financial counsellors who refer clients, prepare structured proposals, monitor creditor responses and track payments. Consumers can use the online application and supporting-document wizard to provide financial information, while creditors receive written proposals with reasons and payment-distribution workflows. The product brings assessment, proposal preparation, response tracking, collections and distributions into one workspace.
Its strongest area is the end-to-end hardship-plan workflow. Hardship Hub uses income and expenditure information to calculate a proposed monthly payment based on HEM, then supports written proposals to multiple creditors. Each account has a 21-day creditor-response tracking period, giving counsellors a defined way to monitor progress. Dashboards cover plans and payments, while structured proposals, written reasons and audit trails support organized case records. This makes the product a fit for teams that need creditor tracking and a counsellor workspace rather than a general budgeting tool.
The pricing structure is paid and is organized around two fee types. The application fee includes the financial assessment, plan preparation and the first round of creditor proposals. A transaction fee applies when a payment is sent to a creditor; skipped months and removed creditors do not incur that fee. The platform is web-based, and its controlled, pre-launch operation means consumer applications are pending licence finalisation. Counsellors seeking a focused process for temporary hardship arrangements should find the feature set aligned with that work. Teams needing a free plan, a broader platform footprint or an already-open consumer application flow should choose an alternative.
Hardship Hub pros and cons
- Where it wins
- Calculates proposed payments using income and expenditure information
- Tracks 21-day creditor responses for each account
- Collects one monthly payment and distributes it to creditors
- Where it doesn't
- Paid service with no free plan
- Web-only access
- Consumer applications are pending licence finalisation
Hardship Hub fact sheet, pricing and score →
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