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Interest-free loans from the government for some people on benefits: how to apply, check if you're eligible

• How they work

  A Budgeting Loan can help pay for: furniture or household items (for…

• Check if you're eligible

  To get a Budgeting Loan you must have been getting one or more of these…

• What you could get

  The lowest amount you can borrow is £100. You could get up to: £348 if…

• Paying back the loan

  A Budgeting Loan is interest free so you only pay back what you borrow.…

• Apply for a Budgeting Loan

  Check you’re eligible before you apply for a Budgeting Loan. You can apply…

• After you apply

  After you apply you’ll be given a decision on your application. You need…

• Other help you can get

  You may be able to get other kinds of support, including: help from your…

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

• Updated: 12 September 2025

We advance prosperity by ensuring no viable UK export fails for lack of finance or insurance, doing that sustainably and at no net cost to the taxpayer.

• Updated: 24 September 2025

How to tax a beneficial loan arrangement for a director or employee.

• Updated: 30 December 2019

The Recovery Loan Scheme supports access to finance for small and medium sized UK businesses, so they can grow and invest.

• Updated: 31 August 2022

Guidance notes for the local authority monthly borrowing and lending inquiry (MB).

A 24-month forward look of potential commercial activity to be undertaken by the department.

• Updated: 5 November 2025

Think carefully before you borrow money for your company.

• Updated: 7 July 2023

Guidance notes for the local authority quarterly borrowing and lending inquiry (QB).

Find out about our Standard Buyer Loan Guarantee: its benefits, eligibility criteria and how to apply.

• Updated: 30 October 2025