Getting a crisis loan for rent in advance

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Another type of Crisis loan is a Loan for Rent in Advance, this is where there is a real risk to the customer’s health and safety if they do not move and secure a property.

For those that are already living a in a property then they have to show that there s a risk to them if they stay at their present accommodation, for example a violent partner, if it is deemed that there is no immediate risk to the customer, for example, they have been asked to leave in 5 weeks, then they may be asked to make a paper application rather than applying over the phone as this is generally just for those that need an urgent decision.

How do rent in advance loans work?

There is no set maximum when making a crisis loan application for help with rent in advance, as opposed to the living expenses process that has a set daily limit- however, they are still bound by the Maximum debt rule that you cannot exceed £1500.00 total outstanding to the social fund.

Another thing to take note of is that you will be asked for a copy of a tenancy agreement from your new landlord. This is a legal document that sets out how much the rent will be and what period such rent will cover, sometimes it also sets out other costs and charges, for example, deposits or admin fees.

Deposits or admin fees are not payable by the crisis loan section, and will always be turned down, so it is important that you are clear that you are applying for help with rent in advance and not anything else.

If you apply for £400 rent in advance + £150 deposit, then they will ask you if you have £150 cash to put toward the cost, if you say now then your entire application will be turned down on the basis that if they give you all they can (£400) then you still won’t get the property so the crisis loan would not get you out of crisis.

Crisis Loan for Gas and Electricity

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Even though there are maximum crisis loan limits, you are still able to apply for specific things and increase this, the most common being emergency gas or electric.

Where an applicant has a prepaid metre for gas and/or electricity and they have already used their emergency credit they are able to apply for additional money from the social fund in the form or a crisis loan to cover clearing the emergency credit and giving them some usable credit

How can I get a crisis loan from gas and electricity?

For example,

If Mr X applied for 7 days money using the Maximum Crisis loan Rates he would get £49.08, but if he applied for emergency fuel in addition to this at £5 per meter then his maximum award would be £59.08.

What is the Maximum Daily Crisis Loan Limit?

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Even though the maximum total debt is £1500.00, this does not mean that you can apply for this in one go on a crisis loan application, this is because there is a DAILY LIMIT on the amount that can be awarded, this is a set amount that the government think that client groups will need to get them out of crisis.

In a nutshell, a single person can have £7.01 a day but can also apply for help with gas and electric on top of this (emergency credit crisis loan )

2010/11 Crisis Loan Rates

Days Customer/Partner Children
Single16-24/ LP under18 Single 25+ & LP 18+ Couple both over 18 Child under 18 Couple both under 18, higher rate 1 2 3 4 5 6 7 8
1 5.55 7.01 11.00 8.38 8.22 16.45 24.67 32.90 41.12 49.35 57.57 65.79
2 11.11 14.02 22.01 16.77 16.45 32.90 49.35 65.79 82.24 98.69 115.14 131.59
3 16.66 21.03 33.02 25.16 24.67 49.35 74.02 98.69 123.36 148.04 172.71 197.38
4 22.22 28.05 44.03 33.55 32.90 65.79 98.69 131.59 164.49 197.38 230.28 263.18
5 27.77 35.06 55.04 41.94 41.12 82.24 123.36 164.49 205.61 246.73 287.85 328.97
6 33.33 42.07 66.05 50.33 49.35 98.69 148.04 197.38 246.73 296.07 345.42 394.77
7 38.88 49.08 77.06 58.72 57.57 115.14 172.71 230.28 287.85 345.42 402.99 460.56

What is the most you can get from a Crisis Loan?

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The maximum that you can owe for a crisis loan is £1500.00 per person OR family unit, this is the bit that confuses most people that want to make an application to the Social Fund, as they use the logic that a family of 4 may need more in comparison to a single person as far as the maximum loan amounts go- this is not the case.

Crisis Loan limits – what you need to know

Even though it does not seem fair that a single person can be deemed to need the same level of financial help as a family, as far as the maximum debt is concerned, this is how it pans out. However, this does not affect the maximum daily crisis loan amounts directly

Example:

If Mr X calls and says that he is in crisis and he needs a crisis loan for food for 3 weeks he already owes £1450.00 he can only be awarded a maximum of £50

Mr and Mrs Y, and their 7 kids call and ask for a crisis loan for another 3 weeks, they already owe £1450.00 so they can only get a £50 crisis loan!

What is the most I can borrow from social fund?

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The social fund is a discretionary payment from the department of work and pensions and is designed to help those on low incomes in times of hardship.

The maximum crisis loan that any one family unit can have at any one time is £1500.00 – this is the same if you are married with 4 children or are a singles person. If you make any further applications to the social fund when you are at you maximum limit, it is likely that your application for a crisis loan will be turned down on the basis that they can’t lend you any further funds.

Crisis Loan borrowing limits

However all is not lost, you can still be awarded some money from the social fund, if your case is deemed to be an emergency and that you have no other means of getting money and the person that decided on your crisis loan applications feels that they would have given you a crisis loan if you weren’t at your limit then they can refer your application for a community care grant . these are not limited by the £1500.00 maximum crisis loan debt rules and as they sound are given as non-repayable grants, this may be the solution if you are turned down for a crisis loan

Getting rent in advance loan

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The government has just started to help those on low income to be able to secure a new property, this is done by them allowing you to apply for help with rent in advance.

Rent in advance is what you have to pay to move into a property, and is distinct from a deposit. You can apply for help with rent in advance to cover your first 4 weeks rent at your new home and the payment will generally be made to you on the day of your application.

There are strict rules on what can and cant be considered as a crisis loan for rent in advance, and you will need to be aware of this before making your application. you cannot be awarded money for a deposit or any sort of administration fee charged by a letting agent, so you will need to be able to either pay this or have this deferred.

You may have to show a valid tenancy agreement from your new landlord, showing the date at which you propose to take up the property and the charges that may be involved. Bear in mind that the amount that you can apply for will be limited by the amount that you have left on your account.

Are you near the crisis loan limit?

For example, if you already owe £1200.00 to the social fund and you apply for £450 you are likely to be turned down as you cant be in debt of more than £1500.00 at any one time.

To make your application for rent in advance see the crisis loan page

Types of Social Fund Payment

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There are several types of Social Fund Payment, depending on your situation. The first is a crisis loan – an easy to get no interest loan that you can be paid on the same day you apply. The crisis loan limit is £1500.00 for any family unit go back to our social fund page for more information

How to get a crisis loan

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Many people find this site after typing how do I get a crisis loan. Well, the answer is simple.

There are two main types of crisis loan, one for living expenses i.e. food, gas, or electric and these applications are treated as urgent, can be done over the telephone and you will be given a decision within around 30 minutes and if successful you can go and collect the cash that the DWP award you from your local Jobcentre- or you can opt for it to be sent to your bank as a credit on the same day (usually done within 3 hours).

The other type of application is for ITEMS, these ( as they sound) are for large items that you cant afford to buy for example carpets or beds- these applications are usually made using a crisis loan paper application