Crisis Loan | FAQ

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Crisis Loans – What are they?


This is an advice site that also offers call forwarding options, and we are in no way affiliated with the Department - we are not affiliated with any organisation mentioned. for Work & Pensions, Social Fund, or any other organisation mentioned on this website.


On our Crisis Loan posts over the last year we have seen the same questions asked over and over again, and given that the DWP website is so difficult to actually navigate and find information on we have decided to give you a quick run down of the main points of a Crisis Loan.


What is a Crisis loan:



A crisis loan is money that you can apply form from the Government to help with a short term financial difficulty.


Who can apply:



Everyone can apply but it is aimed at

  • Those already on state benefits
  • Those waiting for a benefit claim decision
  • Those just coming off benefits

If you are working and have already been paid your first wage, you can apply for a loan but you must show

  • That you have no money
  • That you have no access to loans
  • That your situation could constitute a risk to health and safety.


How to apply for a Crisis Loan



You can apply By telephoning this number

08000 327952



Or filling out a paper application ( Download one or ask for one to be sent to you)


What can I apply for?:



Telephone applications are for Immediate need- so think food/gas/ electric or rent in advance if your moving in under 48 hours.


How long does it take?:



  • Telephone applications are decided whilst your on the phone ( 20-45 minute call usually) and payment made the same day if accepted
  • Paper applications take around 10 days.


How Much is a Crisis Loan?:



  • Living expense loans are paid at a daily rate of £5.78
  • Rent in advance a re limited to £1500 ( but are more often £400-£600)


How Do I pay it back?:



If you are on benefits around 7% of your benefits will be used to pay of your Social Fund debt each week

If you are no longer on benefits you can make arrangements with Debt Management to pay back outstanding loans.


What If I’m Refused?:



There are two stages to an appeal that can be made to ask for the decision to be looked at again

  • Ask for a review- these are done by other decision makers in the same office as the person that turned you down
  • If you are refused again, ask for an independent review- these are done by an outside organization, usually take 48 hours and are generally awarded to the person appealing (you)


10 thoughts on “Crisis Loan | FAQ”

  1. Torbay council give out crisis support loans that don’t have to be paid back. Why can’t Teignbridge council do this ???

  2. Can i get another crisis loan if i havent paid my last one as i have had a letter to say how much a week i have pay ?

  3. I’m a 23 year with a 1 year old daughter. Currently going through a divorce of almost 5 years with the father. He is in the u.s army & is getting chaptered for his own faults. I plan on moving back home with nowhere to go & no job. I was told I could file for a crisis loan so that I can rent a room, & meanwhile, search for work. I seriously need help. This is my first baby, & I never imagined going through this. All I want is for my baby to have what she needs. Shes my main focus , PLEASE HELP, I’ve ran out of options

  4. My daughter claims benefits and is being made homeless…our local council have said they have a private rental for her but she needs to pay the first months rent in advance (£900.00). We have explained that she does not have the money and they told her to get a crisis loan…can she be forced by law to take a loan she does not want and cannot afford to pay back? They have said if she does not they take it she is refusing help to be housed. Please advise

  5. i have just been turned down for rent in advance.they say they do not pay this this true?.i face being homeless if i do not get this money.

  6. Hi I was just wondering how do I check how much I still need to pay on my crisis loan because I have been paying it back now for nearly a year at £6.oo per week?? And in an economy like this I need all the money I can get and it would really help me out so then I know where I’m up to

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