Budgeting Loan advice

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

People on the following social security benefits can apply for a budgeting loan:
Income-related Employment and Support Allowance, Pension Credit, Income-based Jobseeker’s Allowance and Income Support.

Claimants must have been on the qualifying benefits for at least 26 weeks and with a break of no more than 28 days in claiming during that time. Claims may be affected by how much the claimant has in savings, as well as any existing social fund loans. Savings of £1000 for a single person and £2000 for a couple may prevent you from applying for a budgeting loan or lower the amount that you can get.

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, Budgeting Loans, or any other organisation mentioned on this website.

What is a Budgeting Loan for?

A budgeting loan is a tax-free loan from the DWP for a minimum amount of £100, and is usually claimed for the following expenses:

Funeral or maternity expenses
Furnishings and home improvements
Travel expenses
Footwear and clothing
House moving costs
Job-seeking expenses

The loan decision will be made according to your circumstances, savings, outstanding social fund loans, and ability to pay the loan back.

If a budgeting loan is refused, other financial payments may be available, for example, maternity grant, funeral payment, local council discretionary support and others, the DWP has further information on what may be available.

Applying for a Budgeting Loan

To apply for a budgeting loan, you can apply online via the gov.uk website, except if you live in Northern Ireland, in Northern Ireland you have to apply through your local jobs and benefits office. You can also download an application form and send it to the DWP, or ask for a form at the Jobcentre.

Repayment of a Budgeting Loan

Repayment of the loan is arranged on acceptance of your application. The good news is that the loan repayments are interest-free.
Normally the loan has to be paid back within two years, and if you stop receiving benefits in the meantime, you will have to discuss the loan repayment with the DWP.

repayments for the loan will normally be taken from your benefit payments, but if you are struggling to repay and being left in financial difficulties, you will have to contact the DWP to work out a payment plan.

Budgeting Advances.

People who are claiming Universal Credit are not eligible for budgeting loans and have to apply for a different scheme called a Budgeting Advance.

The rules are that you have to have been claiming Universal Credit for six months unless the budgeting advance is to help you to get or keep a job. You can only apply if you are not already paying off a budgeting loan, and you have to have earned less than 2,600 as a single person or 3,600 as a couple. If you have savings of £1000 or more, it may reduce how much you can get.

Budgeting advances usually have to be paid back within six months and the repayments start from your next Universal Credit payment. You apply for a budgeting advance through your Jobcentre Plus.

You can also find the relevant numbers below, which will connect through our call connection service. Find the relevant department below.

Department - we are not affiliated with any organisation mentioned. Call Connection Phone Numbers - we are in no way affiliated with any organisation mentioned
Budgeting Loan (Calls cost 7ppm + network charges)
0843 509 2583
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

257 thoughts on “Budgeting Loan advice”

  1. hi i am looking for help what it is i got an ecceptence form for a budget loan but i sent it to coatbridge instead of birmingham because i lost the burmingham address at the time will coatbridge send it to the right place pls help

  2. Hi I’ve been on employment and support allowance for the 365 days and have now been put on income employment and support allowance do I still have to wait 26 weeks before applying for a bugeting loan.

  3. If i have paid back all my budgeting loan how likely is it that i would get accepted for another in october 2013? Thanks in advance x

    1. As long as you dont apply for the same stuff, and as long as you have been on an eligable benefit for over 26 weeks

    1. it would have got there on eithe rthe 6th or the 7th and then sorted to the team this week.. so maybe friday this week or mon/tue next week

  4. Hi I sent my acceptance letter off last Saturday (1st June) do you have any idea when i’ll be paid? x

  5. Hi what to writte in the reply slip?? .. Bullet poinr; a form we asked u to fill in… Ok? Tik¿
    This is bext question an stuck on: Your own officiak documebts¿¿ :-( whats that mean??

  6. is there a 10 day reply time from when you have been accepted for the loan? so say iv been accepted for the loan do i then have 10 days to sign and send it back??

    1. No, they will not issue the loan until they have your acceptence letter with the repayment rate that you agree to.

  7. Ive done a rapid reclaim, does that mean it starts from the time i signed off? because i need to try for a budgeting loan

    1. No- it starts from the date that you made it. You can apply for backdating depending on the reasons for not claiming sooner. Your 26 weeks for a budgeting loan start again I’m afraid.

  8. the social received my budgeting loan clarification today being monday 25/02/2013.but when will it go into my bank account being they look at my signature today.for eccepting the loan they got that today .will it go into my account this week.

  9. Hiya, i’ve forgotten when my last repayment is due. I have lost the letter with all the information on. How long does it normally take to repay back a budgeting loan, or how would i find out when i have finished paying it off? thank you.

  10. hi i sent the reply letter to say that i accept the budgeting loan offered to me, over two weeks ago and i haven’t received anything, Im not sure if it has been lost in the post, and it has gone past the 14day reply time, please could you help thanks.

  11. hi i sent the reply letter to say that i accept the budgeting loan offered to me, over two weeks ago and i haven’t received anything, Im not sure if it has been lost in the post, and it has gone past the 14day reply time, please could you help thanks, JJ302724A/020

  12. hi sent my reply back for a bugeting loan onring when the the 7th of august. just wondering when the money will be going in please. thanks

  13. hi i am just wondering wwhen will hear something back from jobcentre about the budgeting loan form i posted last sunday can u let me know how long i will have tyo wait thanks

  14. hi i got told to sign off jsa by my adviser as had a 0 hour contract but rang the main jobcentre and they sed i did not have to sign off and they put a rapid reclaim in for me but just put in for a budgiting loan as just moved house and do not no if i will get i sent the forms off on tusday after noon and dont no wen i will here back does any one no
    thanks rob

  15. I was offered a budgetting loan for £348 on the 20th of july, I accepted this loan but I didn’t send back both declaration forms, when I realised I then sent the other one 1st class on the 3rd of august. When will I get paid? And is my claim still being dealt with?

  16. I sent my decleration off for my budgeting loan after being accepted on the 19th july and was told they hadnt recieved it and sent me out another i sent this one last tuesday but all ive been getting is reply slips to return i contacted my local jobentre and they said that it was the decleration as i wasnt sure…is this the case? Or is there another document im supposed to sign and send back that i havent been recieving? Please help as im very confused and in desperate need of my budgeting loan to come through

  17. ive appled for a budgeting loan about week ago and im trying to find out if it has been granted and how long it will take

  18. Hi I need to apply for a budgeting loan as I have to move house but the problem is how do I get one fast as I can move any day now as I am a victim of domestic vilonce and ano it could take a while to recive a budgeting loan and I need money for removals the lot thanks sarah

    1. Hi there I guarantee it will be in your bank by next Thursday it usually takes around 3-5 days depending on your bank

  19. hi i am on job seekers and it was a rapid reclaim after being at work for 3months but before that i was on job seekers for about 11 months and had a loan could i apply for anova one or will i have to wait till i have been on it for 6 months again?
    Thanks Grant

  20. Hello I’m just wondering when ill recive payment iv sent the letter back with much they are giving me and signed it aswell, do you no when it will be in my bank I sent it of a week ago. Many thanks

  21. Hi,

    I just sent my budgeting loan form off today however when I got home I realised I forgot to put the date of when I started recieveing JSA. Will they call to ask or I call them or will they just not accept it??

  22. hello i sent my letter back saying i accept the terms ov the bugerting loan on the 6th july how long untill it will be in my bank thanks

  23. hello i sent my letter back saying i accept the terms ov the loan on the 6th how long untill it will be in my bank thanks

  24. i recently got accepted for my social fund and just waiting for my money paid out but i just got my esa stopped will i still recieve my loan as i am going to appeal my esa to get it back
    thanks

  25. hi I sent of for a budgeting loan and got the acceptance letter on Thursday 19/7/12 I sent it back special delievery the same day(Thursday) when do you reckon I will get my payment

  26. hiya, I sent my application form in on monday 16th July, how long roughly will it take to make a decision? Thanks x

  27. hello i applied for a budget loanof £214.99 i need for a fridge about 8 days ago now i havent got a reply yet but im just inquiring if id still b entitaled to it coz i got one last year and i got £300 offered to me but i dont know if it is paid off do u think id still get another i despratley need a fridge..thanks

  28. Im a single mum to a son and daughter a few months ago i was accepted for a small budgeting loan which i pay back through my income support payments im living with my parents and recently decided to look into private lets ive recently found one i like and have been informed im entitled to help for a deposit towards this and thats through dss. Whats my options would i get another budgeting loan so quick or would i have to apply for a crisis loan

  29. hi there im just getting some advice. im looking to rent a room and need deposit does this budget form help with expenses

  30. how can i fnd out how much i owe on a bugeting loan and can i get another what is my limit i am a single mother of one. thanks

  31. I have accepted a budgeting loan last week, although i have just been offered 3 weeks work. Will i still recieve the budgeting loan if i accept the temporary work?

  32. Hi, i sent my form off for a budgeting loan on saturday jvst gone and was wondering how long it wil tale to hear back from them as i am in dier need of this loan asap :) thankyou

  33. Hi im lone parent with one child on income support, im pregnant 32 weeks can I get budgeting loan for maternity things and stuff for newborn baby? Thanks

  34. Hi im lone parent on income support and have one child, im pregnant 32 weeks can I get loan for maternity things and stuff for a baby?

  35. Hello i was wondering if you could help me, i had a social loan just a few weeks ago i was just wondering if i could apply for another one, i don;t know what has happened this month but i have fallen behind in my rent and i have a red gas bill is it possible many thanks

  36. Hi,
    I will not qualify for a budgeting loan until the 26th of this month, if I take my application into the job centre today will it be refused or will they process it anyway? thanks

  37. I sent forms away for a budget loan 2 weeks ago and haven’t heard anything, when I phone they say there is nothing on the system.can you explain to me why this is?

  38. Hi I’m 21 and have been on income support since July 2011 I have a baby and recently just been offered a house i am applying for a budgeting loan to carpet my 2 bedroom home so my son and me can move in will this be accepted

  39. hi im 18years old i have been with jcp for around 3 months i have moved nto a flat with my mum and dad and have no bed , draws exc . i was woundering am i entitled to this ?

  40. i am a single parent 2 children im on jsa just changed from income support my partner has stopped maintenence payments i have mortgage and loan and school clothes and bills to pay to keep roof over head

  41. hi i have just applied for a budget loan for clothing and now i am moving into a flat can i get a community care grant straight away after budget loan.

  42. Hi,
    I am paying off my budgeting loan weekly and have around 6months left to pay. I am moving abroad in august and would like to know if i can pay off the remainder in one payment as i will be signing off all benefits.

  43. I applied for a bugeting loan on the 22-06-12, they recieved this on the 27-06-12. i receicved the declaration on the 4-07-12 and posted it back to them the same day (i put 1st class stamp on it). on the 8-07-12 i rang them up and was told to ring back yesterday, which i did but they couldnt tell me anything and said id get a call back which i got today. there saying that they havent recieved it so they will send me another form which i might get b4 weekend. so basically does that mean im going to have to wait all that time again plus however long it takes for them to put it into my account? is there no way i can fast track this? or maybe fax it back to them, as im desparatly needing the money as my cooker has been condemed(think thats the right word) by the gas man as unfit to use and dangerous. please help

  44. Hi Ive downloaded a butgeting loan form from the website and filled it out but theres no address to send it to. Where do i send it and do i need a stamp please ?. Thankyou.

  45. Hi
    I am on income support with one child, do I qualify for a budgeting loan? I need it to help towards my rent, clothes for me and daughter, New bed for my child and also towards house bills ie water. Could you please help

  46. i have recieved a letter from social fund it tells me how much they are paying me but it dosnt say anything if i have to pay it bk it just tells me how much and it will be put into my bank on a certain date nothing to sign weather i agree to payin it back dose this mean its a loan that i dont have to pay back?

  47. Would someone who has been sanctioned on a JSA claim and is in receipt of hardship be entitled to a budgeting loan? And if not, when the sanction ends would they be eligible if the sanction was for more than 28 days?

  48. hi i appiled for a budgeting loan in december 2011 can i apply for a another 1 i am stil paying my previous loan help?

  49. Does a budgeting loan cover buying a new laptop as it is needed to find work? The one I have is broken so doesn’t send emails or connect to internet which is essential for completing application forms and sending cv’s/cover letters

  50. hiya ive applyed 4 a budgeting a loan i got turned down because they said we havent been on benifit long enough but we,ve been on some sort of benifit 4 nearly 12 months jsa first then esa now jsa again the only break was swapping over benifit, i appeal against it a week ago friday its now the following sunday how long will it take to here anything and what do u think the anwser will be, will it still be refused? it is 4 clothes for mmy 3 kids uniforms bedding and other household things, surely they have all out details and wat benifits we,ve been on they have our ni numbers i dont get why we were turned down we have never had one before

  51. I sent my acceptance letter back for my budgeting loan on thursday 14th june how long will it take before it goes into my bank

  52. I sent back my letter yesterday, 17th June for a Social fund loan. Roughly how long will it take to go into my bank? Thank you

  53. hi i sent off my acceptance letter today the 18th of june wen wil i get a payment if it goes in to my bank xx

  54. I have recently applied for a budgeting loan but have not heard anything yet. i posted the aplication on the 28th of may but im worried in case they didnt recieve it. im in urgent needs for the funds as my fridge freezer died on me weeks ago and i really need to replace it asap.now my washing machine has broke and i have 3 children one if which is a bed wetter…. very stressfull. should i have received confermatoon that my letter was recieved or am i just being impatient? sorry for all the questions but this is the first time i have applied. x

  55. hiya ive applyed 4 a budgeting a loan i got turned down because they said we havent been on benifit long enough but we,ve been on some sort of benifit 4 nearly 12 months jsa first then esa now jsa again the only break was swapping over benifit, i appeal against it a week ago friday its now the following sunday how long will it take to here anything and what do u think the anwser will be, will it still be refused? it is 4 clothes for mmy 3 kids uniforms bedding and other household things, surely they have all out details and wat benifits we,ve been on they have our ni numbers i dont get why we were turned down we have never had one before

  56. Hi I want to apply for a budgeting loan this monday18.06.12 how long do u think it will take them to male a decision ? If I send the form away on monday? Thanks x

  57. ive sent off forms for a BL today with a note inside explaining our situation, is it possible to get it fast tracked once its been recieved? we have to move house 25/06/2012 and only found out 2 days ago! so we are in urgent need of the cost of removals at the very least, is this possible?

  58. we applied for a budgeting loan on the 30/05/12 had the reply today, been accepted but my husband started work on the 13/06/2012,ive sent the declaration back as we desperately need the money because we have moved and that was what it was for. are we still entitled to it?

Leave a Reply

Your email address will not be published. Required fields are marked *

Call connection service – Calls cost 7p per minute plus your telephone company’s network access charge.

Real Time Web Analytics