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Budgeting Loan
Government Loan Service
How it works

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 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.


Find out more