How you could use ICFAL’s hardship finance

Pay for Emergency Medical Expenses

Cover sudden medical expenses that comes along as you course through life.

Pay for Educational Essentials

Back up tuition fees for yourself or a family member to move to the next step.

Household items and essentials

Bills and expenses can be settled as you focus on getting yourself back to being financially stable.


About Hardship Loan

Qard Hasan is a loan for our active members to support them in the event of a financial hardship. It is an interest free loan which requires members to return the principle amount after their are past their emergency.


  • Current ICFAL member
  • Australian permanent resident
  • One-off fee of $100 for lifetime membership
  • Pay no establishment or monthly fees

Applying is simple, get started online

Apply online

Apply online to prequalify and see if you’re eligible for car finance with ICFAL.

Assessment & Approval

We will assess and provide you with a conditional approval.

Full Approval

You will be invited to ICFAL to discuss potential monthly payment and contract process.

Frequently asked questions

How do I become an active member of ICFAL?

Holding 5 shares equating to a worth of $500 makes you an active member.

Can non-members apply for the hardship loan?

No, hardship loan is a privilege set for active members of ICFAL.

How much interest do I have to pay when returning the principal amount? 

The Hardship loan is an interest-free loan set to help our active members.
See all related FAQs