Skip to content
How it worksGuidesToolsInsightsAbout
Get help nowDonate
Donate
Guides:SituationsYour rightsServices
  1. Guides
  2. /I can't pay my rent

I can't pay my rent

What to do today, and who to call, in your state.

Where do you live?

The steps and numbers depend on it.

A notice alone can't make you leave. Your landlord needs an order from a tribunal or court before you can be made to leave.

Not sure where to start?

National Debt Helpline 1800 007 007

Financial counsellors, by phone.

Who else do you owe?

Several bills at once? The Hardship Helper puts them in one plan, with letters.

All companies A to Z

Hardship lines for energy, phone and internet, banks and lenders, water, insurers, tolls and debt collectors. Ask for the hardship team.

Banks

  • AMP Bank13 30 30
  • ANZ1800 351 548
  • ANZ Plus1800 252 845
  • Australian Military Bank1800 855 810
  • Bank Australia132 888
  • Bank of Melbourne1800 600 266
  • Bank of Sydney13 95 00
  • BankSA1800 679 461
  • Bankwest1300 769 173
  • Bendigo Bank1800 652 146
  • Beyond Bank Australia08 7201 2403
  • BOQ (Bank of Queensland)1800 079 866
  • Commonwealth Bank1300 720 814
  • Great Southern Bank1800 110 440
  • HSBC Australia1300 555 988
  • Hume Bank1300 004 863
  • IMB Bank133 462
  • ING1300 349 166
  • Kogan Money1800 133 397
  • Macquarie Bank02 8550 5686
  • ME Bank1300 500 520
  • MyCard1800 722 879
  • NAB1800 701 599
  • Newcastle Greater Mutual Group02 4927 4374
  • P&N Bank / BCU1300 591 276
  • People First Bank13 11 82
  • Police Bank131 728
  • Qudos Bank1300 747 747
  • Rabobank Australia1800 025 484
  • Regional Australia Bank132 067
  • St.George1800 629 795
  • Suncorp Bank1800 225 223
  • Teachers Mutual Bank group1800 862 502
  • UBank13 30 80
  • Unloan1800 979 645
  • Virgin Money Australia (banking)1800 701 997
  • Westpac1800 067 497

Buy now pay later

  • Afterpay1800 602 155
  • Zip02 8294 2345

Debt collectors

  • ARL Collect1300 665 274
  • ARMA Group1300 513 683
  • Credit Corp1800 221 414
  • Francom Credit (formerly Panthera Finance)1300 904 938
  • Francom Group1300 748 131
  • InDebted1800 951 414
  • Pioneer Credit1300 720 823
  • Recoveriescorp1300 663 060

Energy

  • 1st Energy · NSW1300 426 594
  • AGL131 245
  • Alinta Energy1300 282 613
  • CovaU · NSW1300 855 038
  • Dodo Power & Gas · NSW1300 374 757
  • EnergyAustralia1800 558 643
  • ENGIE (formerly Simply Energy) · NSW13 88 08
  • GloBird Energy · NSW133 456
  • Kogan Energy · NSW1300 005 123
  • Momentum Energy · NSW1300 662 778
  • Nectr · NSW1300 111 211
  • Origin Energy13 24 61
  • OVO Energy Australia · NSW1300 937 686
  • Powershop · NSW1800 515 313
  • Red Energy1800 723 749
  • Sumo · NSW13 88 60
  • Tango Energy · NSW1800 010 648

Insurers

  • Allianz Australia1300 489 715
  • Budget Direct / Auto & General1300 306 560
  • Hollard Insurance02 9253 6600
  • IAG / NRMA Insurance132 132
  • QBE1300 902 417
  • RACV Insurance13 72 28
  • Suncorp Insurance13 11 55
  • Youi1300 533 700

Other lenders

  • Angle Auto Finance1300 561 869
  • Athena Home Loans13 35 35
  • Cash Converters13 22 74
  • Credit241300 293 000
  • Fair Go Finance1300 324 746
  • Firstmac1300 784 434
  • Harmoney1300 042 766
  • humm group1300 115 533
  • Jacaranda Finance1300 189 823
  • La Trobe Financial1800 620 639
  • Latitude Financial1800 220 718
  • Liberty Financial13 11 33
  • MoneyMe1300 669 059
  • Nimble133 156
  • Nissan Financial Services Australia1300 613 182
  • PayPal Pay in 4+61 2 8223 9500
  • Pepper Money1800 185 914
  • Plenti02 8349 2276
  • Resimac1300 793 741
  • Sunshine Loans07 5646 5969
  • Toyota Finance Australia137 200
  • Wallet Wizard (Credit Corp)1300 494 105
  • Wisr1800 240 008

Phone and internet

  • amaysim1300 808 300
  • Aussie Broadband1300 880 905
  • Belong (Telstra sub-brand)1800 979 544
  • Boost Mobile125 8881
  • iiNet13 22 58
  • Optus1300 308 839
  • Telstra13 22 00
  • TPG (brand)1300 056 356
  • Vodafone (TPG Telecom)1800 185 289
  • Vodafone / TPG1800 185 289

Tolls

  • EastLink · VIC(03) 9955 1400
  • Linkt (Transurban) · NSW, VIC, QLD1300 767 865
  • Transport for NSW E-Toll · NSW13 18 65

Water

  • Hunter Water · NSW1300 657 657
  • Icon Water (ACT)02 6248 3111
  • Power and Water Corporation (NT)1800 245 093
  • SA Water1300 729 283
  • Sydney Water · NSW1800 222 280
  • TasWater13 69 92
  • Urban Utilities (QLD)13 26 57
  • Water Corporation (WA)1300 650 471
  • Yarra Valley Water1300 304 688
Your rights as a renter

The rules behind the steps above, with where each one comes from.

In New South Wales

Paying in full, or keeping an agreed plan, can stop it

In NSW, a landlord can give a termination notice for unpaid rent once the rent has been unpaid for at least 14 days. The date on the notice must be at least 14 days after the notice is given. The notice alone does not end your tenancy: if you stay, the landlord has to apply to the NSW Civil and Administrative Tribunal (NCAT), and only a sheriff's officer with a warrant from NCAT can make you leave.

You do not have to leave if you pay all the rent and charges you owe, or agree a repayment plan with your landlord and fully keep to it. This still applies after NCAT has made an order, as long as you still live there. It does not apply if NCAT finds you have often paid late. The termination notice itself must tell you this.

  • If NCAT finds you have often paid late, it can end the tenancy even if you pay everything you owe or keep to a plan. The law does not say how often counts.
  • A plan your landlord hasn't agreed to doesn't count, even if you keep paying it.
  • This doesn't cover boarders and lodgers, people in a land lease community or a holiday park, or crisis accommodation. Different rules apply to them.
  • Residential Tenancies Act 2010 (NSW) · checked 19 October 2026
  • Residential Tenancies Act 2010 (NSW) · checked 19 October 2026
  • Residential Tenancies Act 2010 (NSW) · checked 19 October 2026
  • Residential Tenancies Act 2010 (NSW) · checked 19 October 2026
  • NSW Fair Trading, Non-payment of rent · checked 19 October 2026
  • Tenants' Union of NSW, Overdue rent factsheet · checked 19 October 2026

In Victoria

Paying by the termination date can cancel the notice

In Victoria, a rental provider can give a notice to vacate once you owe at least 14 days' rent. The termination date must be at least 14 days after the notice is given. If you stay, the rental provider has to apply to the Victorian Civil and Administrative Tribunal (VCAT) for a possession order, and must not force you to leave any other way.

If you pay all the unpaid rent on or before the termination date, the notice has no effect. This applies the first four times in a 12-month period of your agreement that you owe at least 14 days' rent. On those first four, if it goes to VCAT, VCAT can put you on a payment plan instead of ending the tenancy, and if you keep to it and pay what you owe, the application is dismissed.

  • The fifth time in a 12-month period of your agreement that you owe at least 14 days' rent, paying does not cancel the notice. VCAT can make a possession order and can't put you on a payment plan instead.
  • If VCAT puts you on a payment plan and you don't keep to it, VCAT can make a possession order. If new rent arrears build up while the case is adjourned, VCAT can also make a possession order.
  • This is for a residential rental agreement. Rooming houses and caravan parks have shorter time limits, so get advice first if you rent in one.
  • Residential Tenancies Act 1997 (Vic) · checked 19 October 2026
  • Residential Tenancies Act 1997 (Vic) · checked 19 October 2026
  • Consumer Affairs Victoria, Late or unpaid rent · checked 19 October 2026
  • VCAT, Payment plan agreement for rent arrears · checked 19 October 2026

In Queensland

Paying in the time on the notice can keep your tenancy

In Queensland, once rent has been unpaid for at least 7 days, the lessor can give you a notice to remedy breach (Form 11), which must give you at least 7 days to pay. If you don't pay in that time, they can give you a notice to leave (Form 12) with at least 7 days' notice. If you stay, the tenancy only ends if the Queensland Civil and Administrative Tribunal (QCAT) orders it, and QCAT decides whether the breach justifies ending it.

If you pay the full amount the notice to remedy breach asks for within the time it gives you, at least 7 days, the breach is remedied and the lessor can't give you a notice to leave for it. Your tenancy continues. This may not protect you if you have already had 2 notices to remedy for unpaid rent in the last 12 months.

  • Once you have a notice to leave, paying what you owe doesn't cancel it by itself. The lessor can withdraw it before the handover day if you have paid, but only in writing and with your written agreement. They don't have to. If it goes to QCAT, QCAT can take into account that you have paid.
  • If the lessor has already given you 2 notices to remedy for unpaid rent and you paid both times, being late a third time within 12 months lets them apply to QCAT to end the tenancy without another notice.
  • This is for a general tenancy. Caravan parks and rooming accommodation have shorter time limits, so get advice first if you rent in one.
  • Residential Tenancies and Rooming Accommodation Act 2008 (Qld) · checked 19 October 2026
  • Residential Tenancies and Rooming Accommodation Act 2008 (Qld) · checked 19 October 2026
  • Residential Tenancies and Rooming Accommodation Act 2008 (Qld) and Residential Tenancies and Rooming Accommodation Regulation 2025 (Qld) · checked 19 October 2026
  • Residential Tenancies Authority, Non-payment of rent · checked 19 October 2026
  • Residential Tenancies Authority, Repeated breaches of an agreement · checked 19 October 2026

In South Australia

Paying within the time on the notice can keep your tenancy

In South Australia, once rent has been unpaid for at least 14 days, the landlord can give you a notice of breach (Form 5) that gives you at least 7 days to pay. If you don't pay in that time, the tenancy ends under the notice. If you are still there, the landlord has to get a possession order from the South Australian Civil and Administrative Tribunal (SACAT), and only a bailiff can enforce it.

If you pay the unpaid rent within the time the notice gives you, at least 7 days, the breach is remedied and the tenancy does not end. If the tenancy has ended under the notice, you can ask SACAT to reinstate it before you move out. SACAT can do that if it is just and equitable. If you had 2 notices for unpaid rent in the 12 months before you fell behind this time, the landlord can go straight to SACAT.

  • When the landlord goes straight to SACAT, paying may not stop it. SACAT can instead set conditions about paying your rent.
  • If the time on the notice passes without the rent being paid, the tenancy ends under the notice without a hearing first. Paying late doesn't undo that by itself.
  • This is for a residential tenancy. If you rent in a rooming or boarding house, a caravan park or a residential park, get advice first: different rules can apply.
  • Residential Tenancies Act 1995 (SA) · checked 19 October 2026
  • Residential Tenancies Act 1995 (SA) · checked 19 October 2026
  • Consumer and Business Services (SA), Form 5 Landlord's notice of breach to tenant · checked 19 October 2026
  • SA Government, Breach of agreement and eviction · checked 19 October 2026

In Western Australia

Paying in full before the date can stop court action

In Western Australia, a lessor can act as soon as rent is late. They can give a breach notice (Form 21) asking you to pay within 14 days and then a termination notice (Form 1A), or give a termination notice straight away (Form 1B). A termination notice must give you at least 7 days. If you stay, only a court can end the tenancy, and no one may enter to take back the home without a court order.

If you got a breach notice (Form 21) and you pay all the rent owing before a termination notice comes, the lessor can't give you one for that breach. That notice can come 14 days after the breach notice. If the lessor gave you a termination notice straight away, without a breach notice first, and you pay the rent due in full before the day on that notice, the lessor can't apply to court. On that kind of notice, if they have already applied, paying the rent due and their court fee in full at least 1 day before the hearing stops the case, and the hearing can't be sooner than 21 days after the notice.

  • If the lessor gave you a breach notice first and then a termination notice, paying after the termination notice does not stop them applying to court. The court can still refuse to end the tenancy if you have paid what you owe, but it takes any earlier breaches into account.
  • This is for a residential tenancy. If you rent in a rooming or boarding house, a caravan park or a residential park, get advice first: different rules can apply.
  • Residential Tenancies Act 1987 (WA) · checked 19 October 2026
  • Residential Tenancies Act 1987 (WA) · checked 19 October 2026
  • WA Consumer Protection, Form 21 Breach notice for non-payment of rent · checked 19 October 2026
  • WA Consumer Protection, Form 1A Notice of termination for non-payment of rent · checked 19 October 2026
  • WA Consumer Protection, Form 1B Notice of termination for non-payment of rent · checked 19 October 2026

In Tasmania

Paying all the arrears before the date can cancel the notice

In Tasmania, an owner can serve a notice to vacate when rent is unpaid; the Act sets no minimum time behind first. The date it takes effect must be at least 14 days after the notice is served; if the notice gives a sooner date, it still counts but takes effect only after those 14 days. If you are still there after that date, the owner has to apply to the Magistrates Court for an order for vacant possession, and must not take back the home any other way.

If you pay all the rent arrears before the date the notice takes effect, the notice has no effect. This does not apply if 2 or more notices to vacate for unpaid rent were served on you in the 12 months before.

  • Even on a notice that paying can't cancel, the owner still needs a Magistrates Court order if you haven't left by the date it takes effect.
  • Paying after the date the notice takes effect doesn't cancel it.
  • This is for a residential tenancy. If you rent in a rooming or boarding house, a caravan park or a residential park, get advice first: different rules can apply.
  • Residential Tenancy Act 1997 (Tas) · checked 19 October 2026
  • Residential Tenancy Act 1997 (Tas) · checked 19 October 2026
  • Consumer, Building and Occupational Services (Tasmania), Owner ending a lease · checked 19 October 2026
  • Tenants' Union of Tasmania, Rent arrears factsheet · checked 19 October 2026

In the ACT

Paying within the 7 days can keep your tenancy

In the ACT, once rent has been unpaid for 1 week, the lessor can serve a notice to remedy. If the rent isn't paid within 1 week of that notice, they can serve a notice to vacate giving you 2 weeks. If you stay, only the ACT Civil and Administrative Tribunal (ACAT) can end the tenancy, and it can make a payment order instead.

If you pay all the rent owing up to the day you pay, within 7 days of being served the notice to remedy, no further action can be taken and your tenancy continues. This may not apply if you have already had 2 notices to remedy in this tenancy. If it goes to ACAT, ACAT can refuse to end the tenancy if you have paid the rent owing, are likely to keep paying and it considers that just and appropriate. It can also make a payment order instead.

  • If the lessor has already given you 2 notices to remedy during this tenancy, they can serve a notice to vacate 1 week after rent falls due, without a notice to remedy first.
  • If ACAT makes a payment order and you don't keep to it, the lessor can apply again to end the tenancy.
  • This is for a residential tenancy. If you rent in a rooming or boarding house, a caravan park or a residential park, get advice first: different rules can apply.
  • Residential Tenancies Act 1997 (ACT), Schedule 1 (standard residential tenancy terms) · checked 19 October 2026
  • Residential Tenancies Act 1997 (ACT) · checked 19 October 2026
  • ACT Government, During a tenancy · checked 19 October 2026

In the Northern Territory

Paying the notice amount before its date stops it

In the Northern Territory, once rent has been in arrears for at least 14 days, the landlord can give you a notice to remedy the breach (form RT03). It states the amount to pay and must give you more than 7 days to pay it. If you don't, the landlord can apply to the NT Civil and Administrative Tribunal (NTCAT), which may end the tenancy; the landlord must not take possession without an NTCAT order.

If you pay the full amount the notice states before the date on it, which must be more than 7 days after the notice is given, the breach is remedied, and the landlord can't use that notice to ask NTCAT to end the tenancy.

  • Paying only part of the amount doesn't remedy the breach. The landlord accepting a payment of rent doesn't cancel the notice either.
  • This is for a residential tenancy. If you rent in a rooming or boarding house, a caravan park or a residential park, get advice first: different rules can apply.
  • Residential Tenancies Act 1999 (NT) · checked 19 October 2026
  • Residential Tenancies Act 1999 (NT) · checked 19 October 2026
  • NT Consumer Affairs, Guide to renting in the Northern Territory · checked 19 October 2026

More on renters' and home owners' rights

Questions people ask

What happens if I can't pay my rent?

Once rent is unpaid, your landlord or agent can give you a notice. How soon depends on your state, and in WA and Tasmania it can be straight away. A notice alone can't make you leave. To make you leave, your landlord has to apply to the tribunal, or the court in WA and Tasmania, and get an order. Paying what you owe in time can keep your tenancy in every state, but what counts as in time, and the exceptions, differ. Pick your state above for the exact steps.

Can my landlord make me leave without going to the tribunal?

No. Your landlord can't force you out or take back the home themselves. To make you leave, they have to apply to the tribunal, or the court in WA and Tasmania, and only its order can do that.

Do I have to be out by the date on the notice?

Not because of the notice alone. Some notices give a date to pay by, others a date to leave by. Either way, only an order from the tribunal or court can make you leave. Get advice from your state's tenants' advice service now, even if the date has passed.

I'm not behind yet, but I can't pay my next rent. What can I do?

Tell your landlord or agent before the rent is due, in writing, and say when you can pay. Then call your state's tenants' advice service, and check whether you can get help with rent where you live. Pick your state above for the numbers.

Can I get help to pay rent arrears?

Some states and territories have help for private renters who've fallen behind, usually through a housing service or a community organisation. Pick your state above to see who to ask. If you get a Centrelink payment, Rent Assistance is paid automatically with some payments when your rent is over a set amount, so make sure Centrelink has your current rent.

Should I pay the rent with a credit card or a loan?

Call the National Debt Helpline on 1800 007 007 before you do. Paying rent with a credit card, a payday loan or buy now pay later can stop a notice, but it moves the debt somewhere that usually costs more, with interest and fees. A financial counsellor can look at all your debts with you.

Prefer to talk to someone?

  • Lifeline

    24/7 crisis support

    13 11 14
  • 1800RESPECT

    24/7 family and sexual violence support

    1800 737 732

This is general information, not financial or legal advice. Rules vary by state and change over time. A registered financial counsellor can check your options properly. Free, independent, confidential. National Debt Helpline 1800 007 007.

Rules from TEKVA's rules library, checked 19 October 2026. Page updated 19 October 2026.

Practical help for working-age Australians under financial pressure.

Donate

Tax-deductible · DGR-1 endorsed

Practical help for working-age Australians under financial pressure.

Donate

Tax-deductible · DGR-1 endorsed

Get support

Get help nowHow TEKVA worksWhat TEKVA helps withEligibility & rulesFAQ

Resources

Just lost your job? Start hereDisplacement Field ManualSmall business in crisisHardship lettersJob loss action planFinancial runway calculatorHardship guidesEnergy bill help (NSW)Know your financial rightsService directory

Get involved

Partner with usBecome a mentor

Company

About TEKVAImpactInsightsHow we use AIBuild with TEKVAAI for nonprofitsWhy nowAI Displacement MonitorContactPrivacyTermsLicensing

Financial counselling at TEKVA is delivered by an FCAN-registered Financial Counsellor. Financial capability support is provided by a Financial Capability Worker, whose scope is capability support only — no credit advice or creditor negotiation. Credit advice and creditor negotiation sit with our Financial Counsellor. We also provide practical support and referral coordination, and connect people with crisis services where they need them. We do not provide AFSL-licensed financial product advice, legal advice, or insolvency advice. Where another service is the better fit, we'll help connect you with community services, tenancy help or specialist legal support.

ACNC RegisteredDGR-1 Endorsed↗ABN 88 689 519 686

© 2026 TEKVA. All rights reserved.

·

L9, 151 Macquarie St, Sydney NSW 2000

·hello@tekva.org.au