How they work

A Budgeting Loan can help pay for:

  • furniture or household items (for example, washing machines or other ‘white goods’)
  • clothes or footwear
  • rent in advance
  • costs linked to moving house
  • maintenance, improvements or security for your home
  • travelling costs within the UK
  • costs linked to getting a new job
  • maternity costs
  • funeral costs
  • repaying hire purchase loans
  • repaying loans taken for the above items

Crisis Loans are not available any more.

You may be eligible for a Budgeting Loan if you’ve been on certain benefits for 6 months.

You only have to pay back the amount you borrow, and repayments are taken automatically from your benefits.

This guide is also available in Welsh (Cymraeg).