Set up a plan to pay off your debt if you cannot afford to pay it in full. This can be for amounts that are due now or will be due later.
If you're going to pay using direct debit, you'll need to set up a direct debit agreement before applying to pay using instalments.
Set up a direct debit agreement with us
Before you start
You'll need to know:
- how much you can afford to pay towards reducing your debt
- whether you'll be paying by direct debit or another payment method
- when you want your instalment payments to start.
Apply for an instalment arrangement in myIR
From the homepage in myIR, apply to pay using instalments by selecting:
- 'Request an instalment arrangement' under the 'I want to ...' column.
Read about the service and payment methods. If you'll be using direct debit and have not set up an agreement yet, you'll be given an option to set it up.
Select if you can or cannot pay the minimum amount
You'll be able to see the total amount owing and a list of the due amounts for each tax type.
Select whether you can or cannot pay the weekly amount shown under 'Minimum payment amount'. You'll be able to pay fortnightly or monthly if you choose, but make sure those amounts work out to match this figure on a weekly basis.
- If you cannot, we'll ask you to confirm your contact details and we'll give you a call to discuss your options.
- If you're able to pay the minimum amount, continue with the application.
Choose a payment method
Select whether you'll be paying your instalments using either:
- direct debit
- credit or debit card
- internet banking
- future Working for Families payments - select 'WfFTC Entitlements'.
Enter your details that match the payment method you're using.
Set and view your instalment schedule
For your instalment details, choose:
- a frequency, that is, how often you want to make the payments
- an amount, such as the minimum payment or a higher amount
- the first instalment date. The dates you can choose will depend on how you're making your payments, for example direct debit or manually.
Once completed, you'll be able to click 'Forecast' and see your planned instalment schedule.
Review and submit your application
Make sure all your payment and schedule details are correct. If so, click 'Submit'.
You can also reach out to us by:
- sending us a message in myIR
- calling us.
What happens next
We'll contact you in myIR or by phone to either:
- let you know our decision
- ask for more information
- discuss your options.
We charge interest on overdue amounts. This interest is included as part of your instalment amounts.
My responsibilities
If you have child support debt, you'll need to sort this out by sending us a message in myIR or calling us.
Sorting out child support debt
You'll also need to be clear about all of your options if you have either:
- a student loan
- Working for Families overpayments.
Hardship and defaulting on my student loan
