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Applying through your online account Choose the apply for an advance section to apply for an advance online through your account . You can only apply for an advance online if you are within your first Universal Credit assessment period and you have had an interview at the jobcentre.
Youll be asked to explain why you need the advance, to provide your bank details and have your identity checked. You should get a decision the same day, and the advance should be paid into your bank in three working days.
How much you can get. You may be able to get up to 100% of your estimated Universal Credit payment. You will need to repay an advance from future Universal Credit payments or by other means if you no longer get Universal Credit, such as from wages or other benefits you may be getting.
You can get what is known as a Budgeting Advance to help pay for emergency household costs such as buying a new cooker or for help getting a job or staying in work. This is an advance of your monthly Universal Credit entitlement, so your monthly payments will be reduced to cover the advance.
Once you have applied for a Budgeting Loan, we will tell you if you can or cannot get a loan. If you asked for a decision by email or text message, you will get this within 7 days. If you asked for a decision by letter, we will send this within 21 days.
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Once the DWP have agreed to an advance payment you should get the money in 3 working days. Tell the DWP if you need it sooner than this - they can pay you on the same day if youd have no other money to live on. The DWP will pay the advance into the same bank account youre using for your Universal Credit claim.
Youll need to apply for your budgeting advance over the phone. To decide if youre eligible, and how much you can get, an adviser will look at: whether you can afford to pay the loan back - theyll see if you have any debts and how much you owe to help work this out. how much you have in savings.
Once the DWP have agreed to an advance payment you should get the money in 3 working days. Tell the DWP if you need it sooner than this - they can pay you on the same day if youd have no other money to live on. The DWP will pay the advance into the same bank account youre using for your Universal Credit claim.
Other financial support you might get a cheaper social tariff for broadband or mobile phone services. a Cold Weather Payment. Disabled Facilities Grants. Discretionary Housing Payments if your Universal Credit payment is not enough to pay your rent. Energy Company Obligation (ECO) a reduction in your Council Tax.
The cost of your advance will need to be spread across your monthly Universal Credit payments. This means you could receive 25 payments in 24 months or 13 payments in 12 months depending on when you applied.

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