If you are on means-tested benefits, or even if you are in work, you can apply for Jobcentre Loans, these are short-term no interest loans of up to £1500 that can be made by your local job centre in times of crisis to help you to overcome a potential risk to your, or your families health and safety.

Anyone can apply for a job centre loan, however, it is much easier to get a loan from the Jobcentre if you are already on means-tested benefits as many of the questions that they would have to ask as part of your application will have already been asked when you made your application for benefit.

What is a Jobcentre Loan?

The benefits that are generally accepted as being means tested are: Jobseekers Allowance (JSA) income support (I.S) and Employment and Support Allowance ( ESA), the two ways that you can apply for Jobcentre loans are to make a paper application using the form SF401 or to make your application over the phone for the same day decision.

Telephone applications are generally just for living expenses applications and will take around 45 minutes to complete- the calls are free from a BT lanolin, and most of the larger mobile phone operators also allow you to call for a Jobcentre loan for free ( even though its a 0800 number)

Other types of help that you can apply for over the phone include help with fuels ( gas and electric) and also for help with your first months rent in advance payment when you are moving to a new property and don’t have the money to pay your first month’s rent before housing benefit is sorted.

How to get a Jobcentre loan

The maximum that any one household can apply for is £1500, and this limit includes any other social fund debt that you have in the form of other crisis loans or even budgeting loans, it is also worth noting that you and your partners debt ( if they have any) will be combined to give you the amount that your household owe the social fund as a combined total. This means that any new applications can only ever be for the difference between what you already owe and the maximum allowable debt.

Jobcentre loans are limited to a maximum of 3 applications in any roiling 12 month period for living expenses, however, this does not include alinements to benefit when you have made a new application to another benefit and are awaiting an outcome.

Need to speak to a member of the Department 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 Call Connection Phone Numbers
Jobcentre Loans 0843 509 2322
Social Fund 0843 506 0283
Crisis Loan 0843 509 2336
Job Seeker’s Allowance Claims (New Claims & Existing) 0843 509 2383
Employment & Support Allowance 0843 509 2374
Income Support 0843 509 2374
Incapacity Benefit 0843 504 0374
Universal Credit 0843 509 2382
Universal Credit (New Claims & Appointments) 0843 509 2382
Maternity Allowance 0843 504 9433
Personal Independence Payment 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.