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Experiencing financial difficulty?

At Brighte we understand that there are unexpected life events or unforeseen changes that can happen, making it difficult to meet your payments.

Brighte is committed in helping our customers that may be experiencing financial difficulty. Our hardship team will try to find you a suitable solution to manage your payments whilst you get back on your feet.

How do I apply for hardship assistance?

Call Brighte on 1300 274 448 (Brighte) or email us at

Our business hours are:

Mon - Fri 9am - 7pm
Saturday 10am - 6pm
Times are AEST/AEDT

We will be asking you questions about your situation, to make sure we provide you with the right assistance. All requests for assistance will be treated in the strictest confidence as we work together to find a solution.

We'll only disclose or use information in accordance with the requirements of the Privacy Act 1988 and Brighte’s Privacy Policy and Credit Reporting Privacy Policy.

Energy pilot program

For questions related to the energy pilot program, please refer to our Energy Pilot Help section.

Resources & FAQs

Helpful tools and resources for responsible spending and managing debt
Buy Now Pay Later Code of Practice

Brighte is also a member of the Buy Now Pay Later Code of Practice. This means that if the product we have provided you is our 0% Interest Payment Plan, in addition to contacting us or AFCA, you can report an alleged breach of this Code to the Code Compliance Committee (CCC). The CCC is an independent committee that has been established to monitor our compliance with this Code (as outlined in the Terms of Reference for the CCC).

You can access the Code by visiting

If you have a specific complaint about us, you should first talk to us, and if you are not satisfied, then AFCA. The CCC will not consider your Complaint if you are still trying to resolve it with us, or within AFCA. To lodge a Complaint with the CCC, you can contact them at

Lodging a complaint about your payment plan with AFCA

We are a member of an external dispute resolution scheme and in the unlikely event that we cannot resolve your request for hardship assistance, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA is a new external dispute resolution scheme that replaces the Credit & Investments Ombudsman (CIO). AFCA will provide fair and independent financial services complaint resolution that is free to use:

Before AFCA can investigate the matter, you must have first given us the opportunity to review it. Time limits may also apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.