Budgeting Loan advice

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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. hello could you be so kind and inform myself on how much I have to pay back in total for my budget loans.crisis loans in full and what is the end date of when they are paid in full to my agreed payments? many thanx john thomson

  2. Hi i reply for a budgeting loan about 7weeks ago i have sent back 4 declared letters to except the loan & i been phoneing & phoning & keep getting different people telling me different things & 1 person on the phone told me to go to my nearest job centre & to call them to say i am at the job centre so then i can fax ddemSDey dE

  3. Hi i reply for a budgeting loan about 7weeks ago i have sent back 4 declared letters to except the loan & i been phoneing & phoning & keep getting different people telling me different things & 1 person on the phone told me to go to my nearest job centre & to call them to say i am at the job centre so then i can fax mSDey

  4. Doesn’t look like anyone’s used this topic for some time, but I hope someone can answer me. I received a letter today saying I owe DWP £700 odd pounds. When I rang them to find out what for, they said the debt had been passed to them from The Social Fund, it was for a budgeting loan nearly six years ago! I haven’t claimed benefits for just over five years, and haven’t heard anything from the Social Fund in this time until now, claiming that they want the full amount by the 28th of this month, and that they’ve wrote to me previously with regards to the matter. This isn’t true, i’ve not received any communication from them in the 5 years what so ever! There’s no way I can afford to pay the amount, I work 50+ hours a week and still struggle to pay the bills and feed the kids! Do I have any grounds to refuse payments or postpone them until i’m more financially stable?
    Any help would be greatly appreciated.
    Thanks

  5. I got a budget loan form my partner filled it out n signed it we have a joint claim I received the letter my partner wasn’t home so I signed it my name n sent it back it’s will we still receive it x

  6. Please help, I sent back my acceptance letter back to the social fund last wensday 1st class and before 5pm so thay should of got it Thursday or Friday the lates so I phone them today and thay said thay have not yet got it. I no I should aloud 10 days for any update but my friends who sent there acceptance letters of to the social fund have had payments and I’m alittle worryd.

  7. I applied for a budgeting loan and they sent me it back saying i had to fill in partners details child benifit ect i have no children so i ticked no to those questions and i split up from my partner in september2013 and took him off my claim as i was the main claiment the job center said i. Shouldnt of had to put his name on it and when i called esa its just my name on the. claim but when i phone for a budgeting loan i need to keep saying single as they keep askin about my partner ? ? ?

  8. Can you tell me what is the most that you can claim on a budgeting loan, also how much can you claim to upgraid your property if you own it.

  9. Dwp received my acceptence letter on the 20/12/2013 can u tel me when I will receive my money into my bank account as it is xmas an I am stressing I won’t get it in time?

  10. Hi, i sent a budgeting reply slip of monday just gone how long will i have to wait for a reply to say when it will be going into my account??

  11. Hi was just wondering I sent my budgeting loan application away last tuesday when will I hear back if I have been accepted or not ?

  12. i was just lookin to no that when you apply for a budget loan and send it of if i wait a week or so and ring them up will they tell you wat your answer is even no the answer is sent back on the letter

  13. Hello, I am 28 weeks pregnant and plan on applying for a maternity grant at 29weeks. However I am a first time lone parent and the grant will not cover all of the costs of things I need for my baby. I have debts of about £1000 with the social fund from previous years, would this affect my eligibility to receive a budgeting loan? I don’t know what I am going to do if I do not get one. Please advise. Thanks.

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