Budgeting Loans

Check if you're eligible

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

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

If you moved from Universal Credit to Pension Credit, any time spent claiming Universal Credit will count towards the 6 months.

You cannot get a Budgeting Loan if:

  • you are currently claiming Universal Credit - apply for a Budgeting Advance instead
  • 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

If you live in Northern Ireland, go to Budgeting Loans in Northern Ireland.