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Find out about our Lines of Credit facility: its benefits, eligibility criteria and how to apply.

• Updated: 12 September 2025

Apply for financial support if you need an advance or hardship payment before your next Universal Credit payment.

• Overview

  You might be able to get financial help paid to you before your next…

• Get an advance on your first payment

  If you need help to pay your bills or cover other costs before you get…

• If your payments have been stopped or reduced

  Your Universal Credit payments can be stopped or reduced if you get a…

• Get an advance for unexpected costs

  If you already get Universal Credit and need help paying for a one-off…

• Help with job expenses

  If you’re applying for or starting a job, you can get support to pay for…

• Get an advance if your circumstances have changed

  If your circumstances have changed and this means you’ll be eligible for…

Tax credit overpayments - repaying tax credits, repayment methods, what to do if you cannot repay

• Overview

  Tax credits ended on 5 April 2025. No more payments will be made. You’ll…

• How to repay your tax credits

  HM Revenue and Customs (HMRC) will send you a letter called a ‘notice to…

• If you cannot afford your repayments

  You can ask to repay what you owe over a longer period of time if you’re…

• If you get Universal Credit

  After you start getting Universal Credit you’ll get a letter from HM…

• If you do not repay HMRC

  If you get a ‘notice to pay’ you must repay HM Revenue and Customs (HMRC)…

The study puts forward an explanation of African banking sector under‐development in the form of a bad credit market equilibrium

• Updated: 22 May 2018

If you're an energy producer, supplier or customer, check what records and accounts to keep to help you complete returns and claim any reliefs or exemptions.

• Updated: 30 March 2023

Find out what happens if your Universal Credit claim is reviewed.

To offer credit to consumers you must be authorised by the Financial Conduct Authority (FCA) and join the Financial Services Register

If you have a health condition or disability, you’ll have an assessment to work out how much Universal Credit you can get and what you need to do in return.

Find out how to use your Aggregates Levy account, what records you must keep and how long to keep them.

• Updated: 17 April 2025

There is lower use of trade credit in areas with more access to bank finance

• Updated: 17 March 2018