Many People find our site when looking for the best crisis loan excuses to use when applying for a Living expenses loan from the Social fund, however what these people seem to have missed is that the discretionary social fund is administered on a case by case basis.

In general, if you are actually in crisis the best bet it to tell the truth, be honest about your reasons for needing help and explain all that you can about your situation.

The person at the other end of the line has heard hundreds or thousands of situations from people applying for a loan and they  have access to all of your payment information, and other applications that you have made.

Just because they can prove that something didn’t happen, does not mean that they have to believe it, and at the end of the day they will be making the decision about your application.


But there are a few crisis loan excuses that we see all of the time, and that are either generally paid out, these include

1)      Ive lost my money after withdrawing it
2)      My benefits have been taken by a direct debit
3)      My benefit has not been paid

Some of the worst crisis loan excuses that we have seen are basically laughable.

1)      My money has been destroyed in the washer
2)      My baby ate £190
3)      My fridge defrosted in less than 48 hours.

No the basic thing that you have to ask yourself when you are applying for a crisis loan is whether you would believe the story yourself? And what other questions you might ask someone who was trying to tell you the same story and YOU were the person who was making the decision as to whether you believed the story or not.