Budgeting Loans in Scotland

Budgeting Loans are interest-free loans from the social fund available for people receiving certain benefits for at least six months. A Budgeting Loan can pay for:

  • furniture and household items
  • clothing
  • rent in advance
  • moving costs
  • costs while seeking employment
  • travel costs within the UK
  • maternity costs
  • funeral costs, and
  • home improvements, maintenance and security for your home.

There is more information on Budgeting Loans and the eligibility criteria on the GOV.UK website.

Who can help?

Members of the Armed Forces community in Scotland can receive further support and advice from the Armed Services Advice Project (ASAP).

Seafarers' Advice and Information Line (SAIL) is the only Citizens Advice dedicated to Naval Service Veterans. They can help you apply for a budgeting loan. For support, visit their website.

Shelter is the UK's leading housing charity. Visit their website for advice on Budgeting Loans.

How to apply

You can apply for a Budgeting Loan online, by post, from your nearest Jobcentre Plus, or by phoning the social fund on 0345 603 6967. The GOV.UK website gives more information on the various ways you can apply.

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