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Budgeting Loans - Claiming Advances - UK Benefits 2017




What is a Budgeting Loan?

Updated 6th May 2017

A Budgeting Loan can be available from the Social Fund to help you pay for necessary things while you are on benefits. It is normally available and administered with the Jobcentre Plus departments. The Loan Advances are free of interest, and repayments payments can be spread over 104 weeks - 2 years to pay back on a regular basis.

Benefit Loans will soon be known as Budgeting Advances or Budget Advance Loans

UK Budgeting Loans are not benefits; they are helpful loans which have to be paid back on a regular basis out of your benefits payments. If you have an advance and come off benefits, you will still have to keep to the agreement to pay back the loan.

Budgeting Advance Loan is available for those who have been receiving 'income-related-benefits' for a minimum of 26 week - 6 months. You need to still be receiving those types of benefits when you apply for the loan.

The Loan could be available to help pay for essential things if you are on low income, or certain benefits. The minimum amount you can borrow is £100.00. The maximum amount depends upon your particular circumstances set out below.

The loans can be used for a number of different reasons - Rent, Furniture items, Clothes or even paying hire purchase debts.



CalculatorHow Much Can I Borrow?

You can borrow between £100 and £348 if you’re single and between £100 and £464 if you’re part of a couple. If you have children, then you can borrow up to £812, but not less than £100 if you have children.

The maximum amount you can borrow is £1,500 in total. For instance, it may be possible to have an additional Budget Advance loan after the first one, but you will not be allowed to exceed the maximum total from the Social Fund Loan.

How much budgeting Advance Loan you can get depends on if you:

Can pay back the loan from your total benefits etc income. If your monthly repayments exceed your income of benefits or whatever, you will not be considered.

If you have any type of savings of over £1,000 - or £2,000 if you or your partner are over 63

If you already owe money to the Social Fund. Maximum that can be borrowed for any social fund loan is £1,500.

How your Budget Advance Loan is paid to you

It is normally be paid into your bank or building society account. The account where you normal benefits are paid is suitable. Any uncertainty call the budgeting loan contact number set out below.

Who Can Get a Budgeting Loan?

You can gat an advance if >>>>>

You have been on one of the benefits listed for at least 26 week - 6 months.

Who Cannot Get a Budgeting Advance

What can you use Budgeting Loans for?

More or less anything you need for day to day living or emergencies, such as >>>>>

How to Claim – The Budgeting Loan Form

Address for Budgeting Loan Form

There is no postal address for the Budgeting Loan Form to be obtained. It is normally available as an online facility. You can fill in the form online, but then have to download and print.

 You can also get a form from your local jobcentre Plus.

Claim for Budgeting Loan Online

Download and fill in a Budgeting Claim Form at this Link to the Government website Budgeting Claim Form SF500. You will need to print the Claim Form and complete it in ink. If you prefer, the form can be obtained from the Local Jobcentre Plus.

How long does it take to get your loan?

Your claim can take up to 15 working days to process after you have posted it and for it to be be paid into your bank. If you include your mobile phone number you will be able to get updates on your Loan payment progress.

If you have sent your application form by post, you should allow at least 19 working days before following it up with any queries.

It is a loan and will have to be paid back at the following rates and times.

Repayments if your benefits are paid weekly

Your loan amount Your weekly benefit Weekly deduction
£100–812 £57.90 £2.90 – £6.95
£73.10 £3.66 – £8.77
£87.50 £4.38 – £10.50
£102.15 £5.11 – £12.26
£109.30 £5.45 – £13.12
£114.85 £5.74 – £13.78
£300.00 £15.00 – £36.00

Repayments if your benefits are paid fortnightly

Your loan amount Your fortnightly benefit Fortnightly deduction
£100–812 £115.80 £5.79 – £13.90
£146.20 £7.31 – £17.54
£175.00 £8.75 – £21.00
£204.30 £10.22 – £24.52
£218.60 £10.93 – £26.23
£229.70 £11.49 – £27.56

Budgeting Loan Phone Number Help line at

Help and advice – for more information - Get in touch with Jobcentre Plus.
The Budgeting Loan Numbers are

Jobcentre Budget Loan number

Phone 0345 603 6967. You can also call 0845 603 6967.
Check with your phone company which of the calling codes is cheaper for you - The contact number is not a free number.

Speak to Jobcentre Plus if you have any questions about your claim. They are normally quite helpful - really!

Jobcentre Plus contact number - Telephone: 0345 603 6967 Monday to Friday, 8am to 6pm

The Address for you to send your form depends upon where you live

Budgeting Loan Address for….

Address for budgeting loan form to be returned according to area...

East Midlands, Yorkshire and Humberside, East Anglia and Essex

Chesterfield Benefit Centre
Mail Handling Site A
Wolverhampton  WV98 1GG 

London, the South and South East, North East and North West England or Wales

Wembley Benefit Centre
Mail Handling Site A
Wolverhampton  WV98 1HE 

Budgeting Loan Form Address for Sending your form in…

West Midlands, South West England or Scotland

Birmingham Social Fund
Post Handling Site B
Wolverhampton  WV99 1DA 

Other Ways to Apply for DWP Budgeting Advance

You can also get the claim form from your local Jobcentre Plus, or by post if you call the helpline (allow 5 working days for it to arrive).

Jobcentre Plus  Telephone: 0345 603 6967  Monday to Friday, 8am to 6pm  Find out about the call charges

You can also hand in a completed claim form to your local Jobcentre Plus, but your application will take longer to process. It really is all better and quicker if you fill into claim form online, and strongly advise this way – even if you have to get help to do it.

Other Short Term Loan Help

Short-term Loan Advances If you are waiting for your benefit claim to be processed and you are in dire need money right away you may be able to get a Short-term Loan Advance from the Job Centre. Go and talk to your contact at the Jobcenter. But you really will have to show that you need it urgently and will suffer problems if you don’t get it. Give them all the information – bits of paper etc. to back up your request. If you have savings, you are unlikely to get a short term advance.

The downside is that you will have to pay it back within three months. This could be extended to six months if the circumstances warrant it.

That's it!

Research at UK Government Budgeting Loans




March 9th 2017
***Child Tax Credit - From April this year the ‘family element’ of £545 per year will be abolished.***

March 8th 2017
**MPs are calling for a halt to the accelerating roll-out of Universal Credit as the ongoing problems are causing undue and unnecessary hardship**


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