Need a hand?

Forbearance is a modification to the original terms of a credit agreement, in response to your financial difficulties.

In certain situations, you may be legally eligible for forbearance under the Consumer Credit Law, under Article 18 (1), which will give you a 3-month payment deferral (excluding interest) if your financial situation has changed due to certain life events. For example:

• Divorce
• Death of a spouse
• Your or spouse's job loss or significant income reduction (at least one-third)
• Newly established disability
• Mandatory military service

To be considered for forbearance, you must have a credit agreement that hasn't been terminated. You must also be able to provide documents showing temporary financial difficulty and be able to meet the revised repayment terms based on our financial assessment.

If you're having difficulty repaying your existing credit, don't hesitate to contact the bank who issued the credit product. The sooner you address any financial difficulties, the better. This helps reduce the total debt and avoids the situation worsening.

You can change the loan payment due date to align with your salary, or any other income receipt date, if this makes managing repayments easier. To find out more, read this FAQ.

• Go to ‘Home’ on the bottom menu
• Tap ‘Accounts’ under your balance and tap the credit product you need support with
• Tap 'More’
• Tap 'Get help'
• Select 'I'm experiencing financial difficulties'
• Fill out the short application
• Upload supporting documents

Once you submit your forbearance request, our team will review your request and be in touch via email with the outcome of our review. This should take 2 to 5 business days. If we need additional information, we'll reach out via the in-app chat.

Depending on your situation, we may be able to offer one or more of the following solutions:

• Postponing your credit repayments and paying interest-only for an agreed term
• Extending the credit maturity