<!doctypehtml><html prefix="fb: http://ogp.me/ns/fb# og: http://ogp.me/ns# article: http://ogp.me/ns/article# book: http://ogp.me/ns/book# profile: http://ogp.me/ns/profile# video: http://ogp.me/ns/video# product: http://ogp.me/ns/product#"dir=ltr lang=en><meta charset=utf-8><link rel="shortcut icon"href=https://www.nidirect.gov.uk/sites/all/themes/nidirect_theme/favicon.ico type=image/vnd.microsoft.icon><meta content="If you have applied for Universal Credit or if you already get it and need financial help, you may be able to apply for an advance that you pay back. There are different types of advances available, depending on your circumstances."name=description><link href=https://www.nidirect.gov.uk/articles/universal-credit-advance-payments rel=canonical><link href=https://www.nidirect.gov.uk/node/12067 rel=shortlink><meta content=nidirect property=og:site_name><meta content=article property=og:type><meta content=https://www.nidirect.gov.uk/articles/universal-credit-advance-payments property=og:url><meta content="If you have applied for Universal Credit or if you already get it and need financial help, you may be able to apply for an advance that you pay back. There are different types of advances available, depending on your circumstances."property=og:description><meta content=2020-01-02T09:45:41+00:00 property=og:updated_time><meta content=summary name=twitter:card><meta content=https://www.nidirect.gov.uk/articles/universal-credit-advance-payments name=twitter:url><meta content="If you have applied for Universal Credit or if you already get it and need financial help, you may be able to apply for an advance that you pay back. There are different types of advances available,"name=twitter:description><meta content="Benefits and money"property=article:section><meta content="Universal Credit"property=article:tag><meta content="Support if you're employed or looking for work"property=article:tag><meta content="Benefits and financial support"property=article:tag><meta content="Benefits and money"property=article:tag><meta content=2018-07-06T15:16:48+01:00 property=article:published_time><meta content=2020-01-02T09:45:41+00:00 property=article:modified_time><title>
   Universal Credit: advance payments | nidirect
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Home </a> ›<li><a href=/information-and-services/benefits-and-money> Benefits and money </a> ›<li><a href=/information-and-services/benefits-and-money/benefits-and-financial-support> Benefits and financial support </a> ›<li><a href=/information-and-services/benefits-and-financial-support/support-if-youre-employed-or-looking-work> Support if you're employed or looking for work </a> ›<li><a href=/information-and-services/support-if-youre-employed-or-looking-work/universal-credit> Universal Credit </a></ol></nav></div><a id=main-content> </a><section class="panel-display panel-nicsArticle clearfix"id=contentTypeArticle><div class="panel-panel main"><h1>Universal Credit: advance payments</h1><div class="panel-pane pane-node-content tighten"><div class=pane-content><p class=nodeSummary>If you have applied for Universal Credit or if you already get it and need financial help, you may be able to apply for an advance that you pay back. There are different types of advances available, depending on your circumstances.<div class=field-body><h2>Universal Credit Advances</h2><p>When you claim Universal Credit you will not receive your first payment for five weeks. <p>If you are in financial need and do not have enough money to live on until your first payment, you can ask for an advance payment of your Universal Credit.<p>If you already receive Universal Credit and your payment is increasing due to a change in your circumstances, you can request an advance payment if you haven’t yet received the increased amount.<h3>How much you’ll get</h3><p>If you are eligible, you can get up to 100 per cent of your estimated Universal Credit payment.<h3>How to apply</h3><p>Use your <a href=https://www.gov.uk/sign-in-universal-credit> Universal Credit online account </a> to apply for an advance.<p>Once in your online account, you may be directed to contact the Universal Credit Service Centre or to speak to your work coach.<p>You’ll need to:<ul><li>provide your bank /building society details<li>have had your identity checked<li>have had your partner’s identity checked (if you have a joint Universal Credit claim)</ul><h3>Repayments</h3><p>If you're given an advance, you'll be told:<ul><li>how much you can have<li>the monthly repayment amounts<li>when the first repayment is due</ul><p>Repayments are taken from your twice monthly Universal Credit payment and you have up to 12 months to pay back the advance.<p>In exceptional circumstances, repayments can be delayed for up to three months if you can’t afford them.<p>If you no longer get Universal Credit, repayments will be taken by other means, such as other benefit payments, your wages or through a debt collection agency.<h3>If you're refused an advance</h3><p>You might be refused an advance if you:<ul><li>have enough money to last until your Universal Credit payment<li>live with your parents, relatives or friends<li>have any final earnings or redundancy payments<li>have any accessible savings</ul><p>You can ask for the decision to be reconsidered but you do not have a right to appeal.<h2><strong> Universal Credit Contingency Fund payment </strong>  </h2><p>A Universal Credit Contingency Fund payment may be available in certain circumstances, if you are in financial difficulty. To request a Universal Credit Contingency Fund payment, telephone the <a href=/contacts/contacts-az/finance-support-service-times-crisis-and-need> Finance Support Service </a> or contact your Work Coach.<h2>Budgeting Advances</h2><p>If you already receive Universal Credit, you may be able to get a Budgeting Advance to help pay for emergency household costs, or for help getting a job or staying in work.<p>This may include:<ul><li>help getting a job or staying in work, such as work clothes, tools, travelling expenses and childcare costs<li>buying essential household items such as furniture, a cot, a pram, appliances, clothing and footwear<li>help with rent in advance or removal expenses to secure new accommodation<li>improvement, maintenance and security of your home</ul><p>To get a Budgeting Advance, you must have:<ul><li>been getting Universal Credit, Employment and Support Allowance, Income Support, Jobseeker’s Allowance or State Pension Credit for six months or more, unless you need the money to help you start a new job or keep an existing job<li>earned less than £2,600 (£3,600 jointly for couples) in the past six months<li>paid off any previous Budgeting Advances</ul><h3>How much you’ll get              </h3><p>The smallest amount you can borrow is £100. You can get up to:<ul><li>£348 if you’re single<li>£464 if you’re part of a couple<li>£812 if you have children</ul><p>How much you can get depends on whether you:<ul><li>can pay the loan back<li>have savings over £1,000</ul><h3>How to apply</h3><p>To apply, contact the Universal Credit Service Centre via your online account or speak to your work coach.<h3>Repayments</h3><p>Repayments are taken from your twice monthly Universal Credit payment and you have up to 12 months to pay back the advance. The first repayment will be taken on the day of your next payment.<p>If you move from Universal Credit to another benefit, repayments will usually continue from your benefit payments until the advance is paid off.<h2>More useful links</h2><ul><li><a href=/articles/universal-credit> Universal Credit </a></ul></div></div></div></div><div class="panel-panel aside"><div class="panel-pane pane-views pane-articles-by-term articles"id=gtm-in-this-section><h2 class=pane-title>Universal Credit</h2><div class=pane-content><div class="view view-articles-by-term view-id-articles_by_term view-display-id-ctools_context_2 view-dom-id-e354368efd6fd2e4f630b629c50fd6ec"><div class=view-content><ul><li><a data-ext-type=Article data-ext-url href=/articles/agree-your-universal-credit-commitment> Agree your Universal Credit Commitment </a><li><a data-ext-type=Article data-ext-url href=/articles/changes-may-affect-your-universal-credit> Changes that may affect your Universal Credit </a><li><a data-ext-type=Article data-ext-url href=/articles/consent-and-disclosure-information-relation-universal-credit> Consent and disclosure of information in relation to Universal Credit </a><li><a data-ext-type=Webform data-ext-url href=/forms/find-out-who-contact-about-money-taken-your-universal-credit-payment> Find out who to contact about money taken off your Universal Credit payment </a><li><a data-ext-type=Article data-ext-url href=/articles/help-save-scheme> Help to Save scheme </a><li><a data-ext-type=Article data-ext-url href=/articles/help-while-waiting-universal-credit-payment> Help while waiting for a Universal Credit payment </a><li><a data-ext-type=Article data-ext-url href=/articles/help-your-universal-credit-claim> Help with your Universal Credit claim </a><li><a data-ext-type=Article data-ext-url href=/articles/how-and-when-you-get-paid-universal-credit> How and when you get paid Universal Credit </a><li><a data-ext-type=Article data-ext-url href=/articles/how-much-can-be-taken-your-universal-credit-payments> How much can be taken from your Universal Credit payments </a><li><a data-ext-type=Article data-ext-url href=/articles/how-much-universal-credit-you-will-get> How much Universal Credit you will get </a><li><a data-ext-type=Article data-ext-url href=/articles/how-work-will-affect-your-universal-credit-payments> How work will affect your Universal Credit payments </a><li><a data-ext-type=Article data-ext-url href=/articles/how-you-make-claim-universal-credit> How you make a claim for Universal Credit </a><li><a data-ext-type=Article data-ext-url href=/articles/tell-universal-credit-if-your-circumstances-change> Tell Universal Credit if your circumstances change </a><li><a data-ext-type=Article data-ext-url href=/articles/unable-manage-your-universal-credit-claim-by-yourself> Unable to manage your Universal Credit claim by yourself </a><li><a data-ext-type=Article data-ext-url href=/articles/universal-credit-sharing-your-information-others> Universal Credit - Sharing your information with others </a><li><a data-ext-type=Article data-ext-url href=/articles/universal-credit-if-you-have-health-condition-or-disability> Universal Credit if you have a health condition or disability </a><li><a data-ext-type=Article data-ext-url href=/articles/universal-credit-if-youre-claiming-other-benefits-or-tax-credits> Universal Credit if you're claiming other benefits or tax credits </a><li><a data-ext-type=Article data-ext-url href=/articles/universal-credit-if-youre-employed> Universal Credit if you're employed </a><li><a data-ext-type=Article data-ext-url href=/articles/universal-credit-if-youre-self-employed> Universal Credit if you're self-employed </a><li><a data-ext-type=Article data-ext-url href=/articles/universal-credit-if-youre-unemployed> Universal Credit if you're unemployed </a><li><a data-ext-type=Article data-ext-url href=/articles/universal-credit-reclaims> Universal Credit reclaims </a><li><a data-ext-type=Article data-ext-url href=/articles/universal-credit-advance-payments> Universal Credit: advance payments </a><li><a data-ext-type=Article data-ext-url href=/articles/universal-credit-two-child-limit> Universal Credit: two child limit </a><li><a data-ext-type=Article data-ext-url href=/articles/what-do-after-you-have-claimed-universal-credit> What to do after you have claimed Universal Credit </a><li><a data-ext-type=Article data-ext-url href=/articles/what-will-affect-your-universal-credit-payments> What will affect your Universal Credit payments </a><li><a data-ext-type=Article data-ext-url href=/articles/when-money-can-be-taken-your-universal-credit-payments> When money can be taken from your Universal Credit payments </a><li><a data-ext-type=Article data-ext-url href=/articles/who-can-claim-universal-credit> Who can claim Universal Credit </a><li><a data-ext-type=Article data-ext-url href=/articles/who-contact-if-you-disagree-universal-credit-decision> Who to contact if you disagree with a Universal Credit decision </a><li><a data-ext-type=Article data-ext-url href=/articles/who-you-can-talk-about-your-debts> Who you can talk to about your debts </a><li><a data-ext-type=Article data-ext-url href=/articles/you-want-claim-universal-credit-again> You want to claim Universal Credit again </a></ul></div></div></div></div></div><div class="panel-panel panel-bottom"><p class="panel-pane pane-block pane-addtoany-addtoany-button consultShare"><span class=label-inline> Share this page </span> <span class="a2a_kit a2a_kit_size_32 a2a_target addtoany_list"id=da2a_1> <a class=a2a_button_facebook> </a> <a class=a2a_button_twitter> </a> <a class=a2a_button_email> </a> </span> <script><!--//--><![CDATA[//><!--
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title="This field is required."class=form-required> * </span></label><div class=description>Plain text only, 750 characters maximum.</div><div class=form-textarea-wrapper><textarea class="form-textarea required"cols=60 id=edit-submitted-your-feedback-comment-details maxlength=750 minlength=2 name=submitted[your_feedback][comment_details] required rows=5></textarea></div></div><div class="form-item webform-component webform-component-textarea webform-component--your-feedback--question-details"><label class=element-invisible for=edit-submitted-your-feedback-question-details>Enter your question <span title="This field is required."class=form-required> * </span></label><div class=description>Plain text only, 750 characters maximum.</div><div class=form-textarea-wrapper><textarea class="form-textarea required"cols=60 id=edit-submitted-your-feedback-question-details maxlength=750 minlength=2 name=submitted[your_feedback][question_details] required rows=5></textarea></div></div></div></fieldset><div class="form-item webform-component webform-component-markup webform-component--angling"><div class=no-submit><h2>What to do next</h2><p>Comments or queries about angling can be emailed to <a href=mailto:anglingcorrespondence@daera-ni.gov.uk> anglingcorrespondence@daera-ni.gov.uk  </a></div></div><div class="form-item webform-component webform-component-markup webform-component--benefits"><div class=no-submit><h2>What to do next</h2><p>If you have a comment or query about benefits, you will need to contact the government department or agency which handles that benefit.  Contacts for common benefits are listed below.<h3>Carer's Allowance</h3><p><span> Call 0800 587 0912 <br> Email  </span> <a href=mailto:dcs.incomingpostteamdhc2@nissa.gsi.gov.uk> dcs.incomingpostteamdhc2@nissa.gsi.gov.uk </a><h3>Discretionary support / Short-term benefit advance</h3><p><span> Call 0800 587 2750  <br> Email  </span> <a href="mailto:customerservice.unit@communities-ni.gov.uk "> customerservice.unit@communities-ni.gov.uk </a><h3>Disability Living Allowance</h3><p>Call 0800 587 0912  <br> <span> Email <a href=mailto:dcs.incomingpostteamdhc2@nissa.gsi.gov.uk> dcs.incomingpostteamdhc2@nissa.gsi.gov.uk </a> </span><h3>Employment and Support Allowance</h3><p>Call 0800 587 1377<h3>Jobseeker’s Allowance</h3><p>Contact your local <a href=/contacts/jobs-benefits-offices> Jobs & Benefits office </a><h3>Personal Independence Payment</h3><p>Call 0800 587 0932<p>If your query is about another benefit, select ‘Other’ from the drop-down menu above.</div></div><div class="form-item webform-component webform-component-markup webform-component--blue-badge"><div class=no-submit><h2>What to do next</h2><p>Comments or queries about the Blue Badge scheme can be emailed to <a href=mailto:bluebadges@infrastructure-ni.gov.uk> bluebadges@infrastructure-ni.gov.uk </a> or you can also call 0300 200 7818.</div></div><div class="form-item webform-component webform-component-markup webform-component--careers"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about careers, contact the <a href=/contacts/contacts-az/careers-service> Careers Service </a> .</div></div><div class="form-item webform-component webform-component-markup webform-component--child-maintenance"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about Child Maintenance, contact the <a href=/contacts/child-maintenance-service> Child Maintenance Service </a> .</div></div><div class="form-item webform-component webform-component-markup webform-component--claiming-compensation-road-problem"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about claiming compensation due to a road problem, contact <a href=/contacts/contacts-az/dfi-roads-claims-unit-belfast-office> DFI Roads claim unit </a> .</div></div><div class="form-item webform-component webform-component-markup webform-component--criminal-records-checks"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about criminal record checks, email <a href=mailto:ani@accessni.gov.uk> ani@accessni.gov.uk </a></div></div><div class="form-item webform-component webform-component-markup webform-component--educational-maintenance-allowance"><div class=no-submit><h2>What to do next</h2><p>Application and payment queries can be emailed to  <a href=mailto:ema_ni@slc.co.uk> ema_ni@slc.co.uk </a></div></div><div class="form-item webform-component webform-component-markup webform-component--employment-rights"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about employment rights, contact the <a href=/contacts/contacts-az/labour-relations-agency> Labour Relations Agency </a> .</div></div><div class="form-item webform-component webform-component-markup webform-component--groni"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about birth, death, marriage and civil partnership certificates and research, contact the General Register Office Northern Ireland (GRONI) by email  <a href=mailto:gro_nisra@finance-ni.gov.uk> gro_nisra@finance-ni.gov.uk </a></div></div><div class="form-item webform-component webform-component-markup webform-component--motoring"><div class=no-submit><h2>What to do next</h2><p>For queries about:<ul><li>Car tax, vehicle registration and SORN <br> contact the <a href=https://www.gov.uk/contact-the-dvla> Driver and Vehicle Licensing Agency (DVLA), Swansea </a> <br>  <li>Driver licensing and tests, MOT and vehicle testing <br> contact the <a href=/contacts/driver-vehicle-agency-dva-northern-ireland> Driver & Vehicle Agency (DVA), Northern Ireland </a></ul><p>If your query is about another topic, select ‘Other’ from the drop-down menu above.</div></div><div class="form-item webform-component webform-component-markup webform-component--passports"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about passports, contact  <a href=https://www.nidirect.gov.uk/contacts/contacts-az/her-majestys-passport-office-northern-ireland-regional-office> HM Passport Office </a> .</div></div><div class="form-item webform-component webform-component-markup webform-component--penalty-charge-notices"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about Penalty Charge Notices (PCNs), including parking tickets and bus lane PCNs, email  <a href=mailto:dcu@infrastructure-ni.gov.uk> dcu@infrastructure-ni.gov.uk </a></div></div><div class="form-item webform-component webform-component-markup webform-component--pensions"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about pensions, contact the  <a href=/contacts/northern-ireland-pension-centre> Northern Ireland Pension Centre </a> .</div></div><div class="form-item webform-component webform-component-markup webform-component--problems-roads"><div class=no-submit><h2>What to do next</h2><p>If you wish to report a problem with a road or street you can do so online <a href=/information-and-services/travel-transport-and-roads/problems-roads-and-streets> in this section </a> .<p>If you wish to check on a problem or fault you have already reported, contact <a href=/contacts/dfi-roads> DfI Roads </a> .</div></div><div class="form-item webform-component webform-component-markup webform-component--proni"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about historical, social or cultural records relating to Northern Ireland, use the <a href=/forms/proni-enquiry> Public Record Office of Northern Ireland (PRONI) enquiry service </a> .</div></div><div class="form-item webform-component webform-component-markup webform-component--rates"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about rates, email: <br> <a href=mailto:rating@lpsni.gov.uk> rating@lpsni.gov.uk </a><p>For queries or advice about property valuation, email: <br> <a href=mailto:valuation@lpsni.gov.uk> valuation@lpsni.gov.uk </a><p>For queries or advice about land registry, email: <br> <a href=mailto:CustomerInformation.LandRegistration@finance-ni.gov.uk> CustomerInformation.LandRegistration@finance-ni.gov.uk </a><p>For mapping queries, email: <br> <a href=mailto:Mapping.Helpdesk@finance-ni.gov.uk> Mapping.Helpdesk@finance-ni.gov.uk </a></div></div><div class="form-item webform-component webform-component-markup webform-component--smartpass"><div class=no-submit><h2>What to do next</h2><p>For queries or advice about  60+ and Senior Citizen SmartPasses (which can be used to get concessionary travel on public transport), contact  <a href=/contacts/contacts-az/smartpass-translink> Smartpass - Translink </a> .</div></div><div class="element-invisible form-item webform-component webform-component-textfield webform-component--extra-comments"><label for=edit-submitted-extra-comments>Extra comments (optional)</label><input class=form-text id=edit-submitted-extra-comments maxlength=255 name=submitted[extra_comments] readonly size=60></div><input name=details[sid] type=hidden><input name=details[page_num] type=hidden value=1><input name=details[page_count] type=hidden value=1><input name=details[finished] type=hidden value=0><input name=form_build_id type=hidden value=form-ibJxDJasLmtW1jHR5HZow3vfCnPMZhBbhaa7_vAwXCg><input name=form_id type=hidden value=webform_client_form_12537><div class=form-actions><input class="webform-submit button-primary form-submit"value="Send feedback"name=op type=submit></div></div></form></div></div></main></div><div class=footer-container><div class=row><footer class="region region-footer"id=footer><div class="block block-menu first odd"id=block-menu-footer-related-sites role=navigation><h2 class="block__title block-title">Related sites</h2><ul class=menu><li class="menu__item is-leaf first leaf"><a class=menu__link href=https://www.gov.uk> gov.uk </a><li class="menu__item is-leaf last 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