Crisis Loan guide

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A Crisis Loan is an interest-free loan that is claimed from the government’s Social Fund. It is used in order to meet any urgent needs you may have and is awarded if you have no other way of raising the money. It is designed to provide assistance in the event of an emergency or disaster.

When can I claim a Crisis Loan?

There are no set rules for this. It is generally awarded for specified items or services or for short term, immediate living expenses, usually of a time period lasting no more than fourteen days.

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What factors are taken into account when I apply for a Crisis Loan?

Is it for an emergency, or the consequences of a disaster?

Is it the only means for preventing major damage or risk to the health and safety of either you or a member of your family?

Are you aged 16 or over?

Things to remember when you apply for a Crisis Loan?

You do not need to be in receipt of state benefits in order to be granted a Crisis Loan.

The danger or risk to you or your family does not need to be immediate, provided it is foreseeable.

The danger may be to both physical or mental health but it does not necessarily require that, if the loan is not given, medical intervention would be needed.

While you will only be given a Crisis Loan if you can demonstrate that you have no other way to raise the money, the alternatives for raising that money must be reasonable. For instance, you would not be expected to sell off your possessions or to commit a criminal act in order to raise the funds.

How much will I receive?

There is no fixed sum and there is no minimum amount that you may get. However, the maximum amount that may be loaned is calculated by taking into account the number of people there are in your family and their personal allowances for state benefits.

Provided that you need the money in order to purchase a specific item, you can expect to be awarded its full cost, provided the inspector has deemed this to be appropriate.

The amount you receive will depend upon your level of savings.

How much you can reasonably be expected to repay will also affect how much you are awarded.

You are not allowed to owe the Social Fund more than £1,500, so any previous outstanding loans you have from it may affect how much you are entitled to now.

Under certain circumstances, you may still qualify for a Community Care Grant.

How do I claim?

For claiming rent and other urgent living expenses in advance, you should telephone Jobcentre Plus, by using the freephone number 0800 0327952.

If you have difficulties with hearing or speech, free textphone number 0800 0327958 may be used. Alternatively, download this form.

Proof of identity will be needed, and any documentary evidence to support your claim.

If you need to buy items or services, due to an emergency, you can send in a written application, via this form, which is also the one you should use if you need to apply for a Community Care Grant.

How do I repay a Crisis Loan?

Your ability to repay is taken into account when the loan is awarded.

If you are in receipt of state benefits, your repayments will be deducted directly from them.

You will normally be expected to commit 5%-12% of your income to repayments, dependent upon your other commitments, and you will be asked to agree the payment terms prior to the money being handed over to you.

The usual repayment period is 104 weeks.

In the event that you have problems making the repayments, you can ask Jobcentre Plus to look at rescheduling them.

9 thoughts on “Crisis Loan guide”

  1. I AM NOT LOOKING FOR SYMPATHY BEFORE I BEGIN! THIS SYSTEM IS OUTRAGEOUS I CANT WALK HAVE TO BE PUSHED IN A WHEELCHAIR BUT NO OUTDOOR CLOTHES THIS B COUNTRY ALL WRONG —I EVEN HAVE DAY AND NIGHT CARE BUT THE B ? OF A LADY ASSESSING ME –TOOK OVER MY HOME –AS I CANT WALK—WENT IN MT SONS ROOM WHOM IS NOW LEFT AND MARRIED SAW HIS 32″ TV AND PUT THAT DOWN ON MY “HEALTH” ASSESSMENT??? I HAVE A 24″ IN MY BEDROOM! I CANT WALK AS I SAY BUT SHE WAS A CHEEKY INDIVIDUAL AND WENT LOOKING AROUND MY HOME LIKE SHE WAS GOING TO MOVE IN?? ITS HOUSING ASSOCCIATION THE WELFARE ONE THAT CAME WITG H HER WAS PROMISNG AN ELECTIC BED- ALL THESE CADJETS THAT WOULD HELP ME AND ONE LEFT BEFORE THE OTHER –THE THE WELFARE ONE SAID -DONT BANK ON THOSE THINGS THE SOCIAL SERVISES ARE NOT MUCH GOOD!! THE TRUEST WORD SHE SPOKE AND AS FOR THE OTHE B? SHE GOT MY CARE HALVED I HAD A BAD FALL AS I WAS THEN WITHOUT CARE AS I HAD BEFORE HER TV ASSESSMENT —-THIS COUNTRY IS A DISGRACE LOOK AT THE POOR SOLDIERS THAT ARE LEFT AND THE ELDERLY THAT FOUGHT IN THE WAR??? SO WHO AM I TO COMPLAIN AND THIS BLADDY WAITING TIME AND THE PRICE OF PHONING THEM??? ITS ALL A BIG CON —LIVID

  2. Why do they leave you on hold for so long I’ve been hung up on twice now after spending half hour on hold each time is there anyone else I can call someone stole my check book made out checks and left me way overdrawn and I have nothing to live on till it’s sorted with the bank which could be a week

  3. I applied for a budgeting loan recently and was unsuccessfull. I then applied for a crisis loan and again was knocked back. ” things I’d like to know are: In sending the reply to the crisis loan they have stated that it was a Community Care Grant I applied for when obviously it wasn’t so does this mean I should re-apply? And before doing so I’d like to know if there are any social fund loans that I’m likely to be entitled to as I’m on incapacity benefit at the minute. I know you’ll probably say it depends on my circumstances but I just feel it’s all just a huge waste of time as there are very few people willing to help me. I have a postal address and that’s all. I tend to live from place to place. Therefore needed some new bedding etc. It just angers me so much when I see other people who are perfectly alright…nothing wrong with them and they absolutely milk the social fund and get everything that’s going and they refuse me money for a bed!!! I mean where does it end?? I know of someone who is getting over £1000 per month. That’s more than my best friend earns for goodness sake!!! It’s an absolute disgrace!

    1. Hi,

      you state state that you applied for a crisis loan, but they turned you down for a ccg, this happens when you are already at your limit of £1500.

    1. Deserve?

      how can you “deserve” a crisis loan?

      Although I won’t apply again, i think its a great idea to expose all the holes in the system, it can only lead to more scrutiny and a farer system for all?

      1. Deserve as in the meaning of the word; entitled to… Maybe I should have used a different word. no one deserves a crisis.

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