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Do you need financial assistance?

If you are struggling financially or are worried about your current financial position and are concerned that you might experience difficulties meeting your financial obligations with P&N Bank, you should contact us as soon as possible.

We understand that sometimes businesses can struggle with cash flow or fall on hard times. We'll do our best to work with you and may be able to offer you financial hardship assistance.

We understand that unexpected or exceptional circumstances can occur such as:

  • Unexpected downturn of business
  • Weather events
  • Adverse economic conditions
  • Personal matters impacting business operations 

These circumstances can impact your financial situation and your ability to make repayments to your loans and other credit contracts. We are here to help customers experiencing hardship or having genuine difficulty meeting repayments.

Examples of assistance we may be able to provide include, but are not limited to, flexibility or moratorium in meeting your scheduled repayments, or a variation to your loan to amend the repayments you have to make.

Contact my Relationship Manager

Your questions answered

If you are unable to meet your financial obligations as a result of financial difficulties, you may be eligible to receive financial hardship assistance from P&N Bank.  

If you have a Relationship Manager, contact them directly to discuss what options are available to you.

If you have not been appointed a relationship manager, you can contact our Credit Management team directly on 1300 591 276, Monday to Friday, 8:30am to 5:00pm AWST.

Alternatively, you can get in touch with us via one of the following options: 

Whilst we will always attempt to provide assistance to those that are experiencing genuine financial difficulty, we may not always be able to provide this assistance, for a variety of reasons.

Should you disagree with a decision made by P&N Bank, or wish to make a complaint in relation to your request for hardship, you can utilise P&N Bank's internal dispute resolution (IDR) process by contacting the Member Advocate on 13 25 77 or:

  • Email: Member Advocate
  • Mail:
    Attn: Member Advocate, P&N Bank
    PO Box 8609
    PERTH BC WA 6849

P&N Bank subscribes to an external dispute resolution scheme (EDR) provided by the Australian Financial Complaints Authority (AFCA).

AFCA provides consumers and small businesses with fair, free and independent dispute resolution for financial complaints. 

AFCA defines a small business as an organisation with less than 100 employees. If you are unsure if your business is considered a small business or want more information, contact AFCA as follows:

  • Email:
  • Phone: 1800 931 678 (free call)
  • Mail:     
    Australian Financial Complaints Authority
    GPO Box 3
    Melbourne VIC 3001