Housing Benefit Loans

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

Unfortunately there is no such thing as a Housing Benefit Loan, however, it is possible to get help with your housing benefit from a range of organizations.

Prior to 2013, it was possible to apply to the Social Fund for a Rent in Advance Loan, this was a loan that was delivered out of a discretionary pot of money administered by the Department - we are not affiliated with any organisation mentioned. for Work and Pensions ( DWP).

Typically a Housing Benefit Loan (Rent in the Advance loan) would be awarded to people who were on an income-related benefit like jobseekers allowance or income based Employment Support Allowance and would be issued on the day of application ( or within 48 hours) directly into the applicant’s nominated bank. The value of the award would vary, but would usually cover at least 1 months rent giving time awaiting Housing Benefit being processed and awarded.

Since the abolition of the Social Fund, People who want to apply for help with rent have been directed to their Local Authority who have been given a pot of money to allow them to deliver small short-term loans.

Find out more about Housing Benefit Loans

At present Housing Benefit applications are taking 3-4 weeks to process, however, we have seen cases of it taking up to 6 months!

We have listed the Local Authorities that we have identified as being able to provide a Housing Benefit Loan, or who will at least help with your first month’s payment when moving into a new property.

If you have previously applied to the Social Find for help with housing and your application has been successful, you will still have to repay any money that you borrowed even though the discretionary SF has been disbanded.

We would appreciate any feedback that you have in relation to Housing Benefit Loans and any other sources of funding that you may have found or that may be local to you that will help people cover rent arrears or the cost of moving into a new Home.

Contacting Budgeting Loan

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

Crisis Loan is no longer available from the Jobcentre / Department - we are not affiliated with any organisation mentioned. for Work and Pensions ( DWP ) as the Social Fund was disbanded back in 2013, however it is still possible to apply for a Budgeting Loan and request a copy of the Budgeting Loan Application form by phone.

Calling Budgteing Loan

The application itself has not changed and you will still be expected to fill out an SF500 form detailing what you need the loan for and then accepting repayment terms assuming that your application is accepted.

To start the application off by telephone you will need to call Jobcentre Plus, they have several telephone numbers and you are able to make the initial application by telephone.

As of 1/1/2015, the latest budgeting loan telephone number is 0345 603 6967.

Check out our tips
Before you scoot off and use the budgeting loan telephone number above, take a look at our tips on speeding up your application for a budgeting loan

Need to speak to a member of the Depart for Work And Pensions about your issues? Our call connection phone numbers should be able to help – get in touch with the right department by dialling one of the contact numbers below.

Department - we are not affiliated with any organisation mentioned. Call Connection Phone Numbers - we are in no way affiliated with any organisation mentioned
Social Fund (Calls cost 7ppm + network charges)
0843 506 0283
Crisis Loan / Budgeting Loan (Calls cost 7ppm + network charges)
0843 509 2336
Jobcentre Appointments (Calls cost 7ppm + network charges)
0843 509 2322
Job Seeker’s Allowance Claims (New Claims & Existing) (Calls cost 7ppm + network charges)
0843 509 2383
Employment & Support Allowance (Calls cost 7ppm + network charges)
0843 509 2374
Income Support (Calls cost 7ppm + network charges)
0843 509 2374
Incapacity Benefit (Calls cost 7ppm + network charges)
0843 504 0374
Universal Credit (Calls cost 7ppm + network charges)
0843 509 2382
Universal Credit (New Claims & Appointments) (Calls cost 7ppm + network charges)
0843 509 2382
Maternity Allowance (Calls cost 7ppm + network charges)
0843 504 9433
Personal Independence Payment (Calls cost 7ppm + network charges)
0843 509 2380

Calls to the Social Fund on their direct number 0800 169 0140 are free from any BT landline (this include call/phone boxes) and also includes calls from most of the larger mobile phone networks.

How can I get Benefit Loans in the UK?

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

In the United Kingdom it possible to get Benefit Loans and these come in two types:

Budgeting Loans:

A loan that is made to a Household that is limited to £870 per household per application ( multiple applications can be made, however, no one Household is able to Benefit Loans totalling more than £1500 at any one time)
Budgeting Loans are only paid to people who have been on an income-related benefit for more than 26 weeks and wh can show that the things that they are applying for help with ( the reason for the Benefit Loan) are essential and that they would not be able to find enough money, or obtain a bank loan to cover the cost.

They have recovered a pre-agreed percentage of the benefit that you are due and will run consecutively with any other Benefit Loans that you have to ensure that your repayment does not cause your further financial hardship.

Sort Term Benefits Advance (STBA Loans):

A small loan that can be made to people who have recently made an application to a means-tested benefit like income support, jobseekers allowance ( Income Based) or Employment Support Allowance ( Income Related) and who are awaiting the processing of their application and the first full payment period to pass ( Usually 2-4 weeks).

An STBA Loan is applied for over the telephone and a decision is given within 24-48 hours, and if successful payment is made into your nominated bank on the same day.

 

Budgeting Loan Online Application

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

We have been considering ways that we can help people to get access to the Budgeting Loan system and have come up with a way to enable applications to be taken/completed online and then for the completed form to be posted out to the applicant with a pre-paid envelope so all that they need to do is sign and post it back the the correct Benefit Centre who will have already been sent an electronic form so that they can begin processing the application.

More information on the Budgeting Loan application

The idea is that we design a secure form with SSL that sends your completed application directly to the DWP by email, then we also send a paper application to you that is already completed based on the online form information with an envelope for your signature.

This way the DWP can start looking at you application on the same day- however as this will take a lot of work on our part, we have a couple of questions- and would like to ask that you take a few minutes to consider and reply below

Click here to find out more about the Budgeting Loan application process – as well as how to get your application started.

How to apply for a Budgeting Loan

Note that this loan only applies to the mainland UK and the islands around mainland UK. Northern Ireland has a different type of budgeting loan.
A budgeting loan is open to anyone who has claimed for the benefit for the whole of the last six months. “Benefit” means income support, income based Job Seeker’s Allowance, income-related Employment and Support Allowance, Pension Credit and Universal Credit with Pension Credit (you are not eligible for a Budgeting Loan if you claim for Universal Credit without claiming Pension Credit).

If you are involved in any industrial action or you owe more than 1,500 for a crisis loan or budget loan if you cannot claim for a budgeting loan. One alternative to a budgeting loan is a budgeting advance which it is worthwhile checking you are eligible for.

It will take 15 days for you to be either to be accepted or rejected for a loan. You should receive the money 12 days after the day of acceptance.

As well as applying online, you can print off form SF500 or pick one up from your local Jobseeker’s Plus. You can also ask for the form to be delivered to you, this may take up to 5 working days though. It could take up to 25 working days for a filled in printed form to be processed, so it is quicker to fill in a form online.

Can I still get a budgeting loan?

The smallest amount you can borrow is £100, the maximum amount is £348 if you are single, £464 if you have a partner and £812 if you or your partner are in receipt of child benefit. Whether you receive this money depends on whether it is felt you can pay this money back, whether you have savings of over £1000 (or £2000 if you or your partner are 65 or over) and whether you are still paying back a budgeting or crisis loan.

The good news about a budgeting loan is that it is interest-free. You are usually given 2 years in order to repay a loan. If your weekly benefit is £57.90 you will get a deduction of between £2.90 and 6.95. If your weekly benefit is up to £300 you will get a deduction of between £15 and £36. However, if you stop receiving the benefit you will have to come up with a different way to pay back the loan.

Before choosing a loan it is worth discussing matters with your Job Centre Plus. If you live in Wales you might choose to look into finding out the Discretionary Assistance Fund. If you live in Scotland you might look into a Community Care Grant or Crisis Loan. Unfortunately, English or Welsh people can no longer apply for a Crisis Loan.