Budgeting Loans

2. Check if you're eligible

To get a Budgeting Loan you must have been getting one of these benefits for the past 6 months:

  • Income Support
  • income-based Jobseeker’s Allowance
  • income-related Employment and Support Allowance
  • Pension Credit

You can’t get a Budgeting Loan if:

  • you’re involved in industrial action (for example, a strike, walkout or lockout)
  • you owe more than £1,500 in total for Crisis Loans and Budgeting Loans

The rules are different in Northern Ireland.

If you get Universal Credit

You can apply for a Budgeting Advance from your local Jobcentre Plus instead if you get Universal Credit.