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Budgeting loans can help with essential lump sum expenses which are difficult to budget for when you are living on means-tested benefits. Budgeting loans have to be paid back to the social fund, but they are interest-free. This means you only have to pay back the amount you are awarded. You won’t get a budgeting loan just because you are eligible to apply. The decision will be made following a review of your circumstances.

Here are some links that may immediately help:


How Long Does A Budgeting Loan Take?
What is the budgeting loan telephone number?

What are Budgeting Loans?

A Budgeting Loan is a one off award designed to help people or families to spread the cost of expensive items over time to make them more affordable

Who Can apply for a Budgeting Loan?

To receive a Budgeting Loan you must be in receipt of an income based benefits and that award must span at least 26 weeks without a break.

  • You can apply if you are the partner of someone who has been in receipt of a qualifying benefit for 26 weeks.
  • If your benefit had been stopped for a period of less than 28 days then you are still eligible for a Budgeting Loan

What can I use a Budgeting Loan for?

Budgeting Loans are intended to be used for:

  • Household essentials or furniture.
  • New shoes or clothes.
  • removal costs of your first month’s rent.
  • increased home security or improvements.
  • expenses associated with travel.
  • Help with job seeking or the start of a new job
  • Settling any HP agreements that you have taken out to pay for any of the above.

How much can I borrow?

This will depend on:

  • If you are single;
  • a member of a couple; or
  • if you have one or more children.

The award made will rest on:

  • any outstanding social fund department
  • any money that you have at your disposal

You must apply for a minimum amount of at least £100

Repaying a Budgeting loan

Repayments can either be:

  • Deducted automatically from benefit in payment; or

Paid directly by the customer at an agreed amount (depending on applicant s income and expenditure).

How to apply

  • Budgeting Loan applications can be made by completing an Application Form and posting it to a local Jobcentre Plus office.

When completed the form can be posted to your local Jobcentre Plus.

Dissatisfied with Budgeting Loan decision?

If the customer is dissatisfied with their Budgeting Loan decision: A review request should be made in writing within 28 days of the date of the decision stating the reasons why the applicant is dissatisfied with the decision.

Contacting the Budgeting Loan team

Need to speak to a member of the DWP? Get in touch with various different sections of the Department for Work and Pensions now using our call connection phone numbers.

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 (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.