Help with bills and one-off costs
Budgeting loans and budgeting advances
These are interest free loans from the DWP to help you pay for essentials such as furniture, clothing, removal expenses, expenses to help you start or prepare for work. If you have already bought the item on hire purchase or credit you can ask for a budgeting loan to repay this.
You can apply for a budgeting loan if you are currently getting and have been receiving Income Support or Income Based JSA or Income Related Employment and Support Allowance or Pension Credit for at least 26 weeks. You will normally have to repay the loan from future benefits over a period of 104 weeks.
To apply, get form SF500 from your local Jobcentre Plus or download it from gov.uk. It is important to explain your circumstances and why you need it.
You can apply for a budgeting advance if you are currently getting Universal Credit and have been receiving Universal Credit for 6 months – although time claiming Income Support or Income Based JSA or Income Related Employment and Support Allowance will count towards the 6 months*. You also have to have earned in total less than £2600 (single claimants) or £3600 (couples) in this 6 month period, and be able to show you can afford to repay it. You normally have to repay the loan, out of your Universal Credit, over 12 months.
*It can be less than this if the loan is needed for a necessary item for employment.
To apply, ring the Universal Credit helpline number 0345 6000723.
Contact your work coach at the Jobcentre to apply.