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
- 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.
Contact the Department for Work and Pensions for more information on Budgeting Loans and eligibility criteria.
Who can help?
The Royal British Legion is a charity supporting members of the Armed Forces community in the UK, and they offer information and advice on benefits and other money matters, including budgeting loans.
Seafarers' Advice and Information Line (SAIL) is the only Citizens Advice dedicated to Naval Service Veterans. They provide expert telephone and email advice. 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, including what they can be used for, who can apply and information about how you repay the loan.
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 0800 169 0140. The GOV.UK website gives more information on the various ways you can apply.