Get an advance on your first payment

If you need help to pay your bills or cover other costs while you wait for your first Universal Credit payment, you can apply to get an advance.

The amount you get could be some or all of your first estimated payment. You’ll still get some money on your first payment day.

You pay the advance back from your Universal Credit payments over the following 12 months (or sooner). This means you’ll get less each month until it’s paid off. You will not pay back more than the amount of your advance.

How to apply

Speak to your Jobcentre Plus work coach about applying for an advance payment.

To apply, you’ll need to:

  • explain why you need an advance
  • provide bank account details where the advance should be paid
  • verify your identity (you’ll do this online when you submit your Universal Credit claim, or in the job centre during your first interview)

You’ll usually be told the same day you apply if you’ll get an advance.

If you need help

Call the Universal Credit helpline if you need help applying for an advance payment.

If you do not have a Universal Credit online account, call the Universal Credit live service helpline.

Universal Credit live service helpline
Telephone: 0800 328 9344
Textphone: 0800 328 1344
Monday to Friday, 8am to 6pm
Find out about call charges

If you have a Universal Credit online account and use your online journal to manage your claim, call the Universal Credit full service helpline.

Universal Credit full service helpline
Telephone: 0800 328 5644
Textphone: 0800 328 1344
Monday to Friday, 8am to 6pm
Find out about call charges

Read more about getting a Universal Credit advance.