Budgeting Loans


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You could get a Budgeting Loan to help pay for essential things like furniture, clothes, moving costs or hire purchase debts. The smallest amount you can borrow is £100.

Budgeting Loans are interest-free so you only pay back what you borrow. You normally have to repay the loan within 104 weeks.

The repayments will come from your benefits. You’ll have to agree another way to repay if you stop getting benefits.

You can apply for a loan if you’ve been getting income-related benefits for at least 26 weeks. You must still be getting income-related benefits when your application is assessed

How to claim:

You can claim by downloading and filling in form SF500 or get the claim form from your local Jobcentre Plus, or by post if you call the helpline (allow 5 working days).

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

Your claim can take up to 15 working days. Include your mobile phone number to get updates on its progress.

You can also hand in a completed claim form to your local Jobcentre Plus, but your application will take longer to process.

Related Links

  1. Loan Eligibility
  2. Budgeting loan claim form

Page last reviewed: 20/02/2024

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