While you wait for your first payment you may be able to get an advance of your first Universal Credit payment if you donвЂ™t have enough to live on.
You will normally receive your first payment 7 days after the end of your first assessment period when you make a new claim for Universal Credit. You may then be paid monthly from the same date, unless your re re payment date falls for a week-end or Bank getaway.
You are able to apply for an advance re re payment of the Universal Credit if you should be in monetaray hardship while you wait for your very first repayment, for instance, if you canвЂ™t manage to pay your lease or purchase meals.
It is important to pay off your advance a little at the same time from your own future Universal Credit re payments, or by other means in the event that you no further get Universal Credit, for instance, from your own wages or any other advantage you are getting.
If you should be currently receiving Universal Credit it’s also possible to be capable of getting a Budgeting Advance to greatly help purchase emergency home expenses, as an example, purchasing an innovative new cooker or even for assistance obtaining a work or remaining in work.
Just how to make an application for a Universal Credit advance
You are able to make an application for a Universal Credit advance:
- before you receive your first re re payment
- if you should be currently being compensated Universal Credit while having told us of an alteration in your needs which means you’ll be compensated more Universal Credit but never have yet been compensated the increased amount
To use for a Universal Credit advance it is possible to:
- speak to your Jobcentre Plus work coach
- use during your online account
- call the Universal Credit helpline
Using during your online account
Pick the вЂapply for an advanceвЂ™ area to try to get an advance online during your account .
You are able to just apply for an advance online if you’re in your very first Universal Credit evaluation duration along with had a job interview during the jobcentre. For those who have passed away very first evaluation duration you will have to use by calling the helpline.
Whenever you submit an application for an advance online, the quantity you may get will soon be shown on screen.
You will also be asked if your partner agrees to the advance if you are part of a couple.
Using throughout your work advisor or even the Universal Credit helpline
In the event that you have one) will need to if you apply for an advance by speaking to your work coach or calling the Universal Credit helpline, you (and your partner:
- explain why an advance is needed by you
- offer banking account details in which the advance should really be compensated (speak to your work mentor if you fail to start a merchant account)
- have experienced your identification checked at a jobcentre
Whenever youвЂ™ll get a determination
YouвЂ™ll get a decision that is quick your advance application. YouвЂ™ll usually find out the results regarding the exact same day.
Simply how much you will get
You might be capable of getting as much as 100per cent of the believed Universal Credit re re payment.
You will have to repay an advance from future Universal Credit re payments or by other means you may be getting if you no longer get Universal Credit, such as from wages or other benefits.
Cost of repayments
In the event that you submit an application for an advance online you are shown on display screen the payment amounts for different payment durations.
Whether you can afford to repay the advance if you apply by phone, the Universal Credit nearest prosper personal loans helpline adviser assesses. Over the phone if they agree to the advance, they will tell you:
- exactly how much you could have
- the repayment that is monthly
- as soon as the very first payment is due
The way the advance is paid back
Deductions are manufactured from your monthly Universal Credit re re payment. The very first deduction is made at the time you obtain very first re re payment and youвЂ™ll have actually as much as year to pay for straight right straight back the advance.
It is possible to ask for the repayments to be delayed for up to three months in the event that you canвЂ™t pay for them. It is just permitted in excellent circumstances.