Universal Credit improvements

While you wait for your first payment you may be able to get an advance of your first Universal Credit payment if you don’t have enough to live on.

Once you make a brand new claim for Universal Credit you can expect to usually get very first repayment seven days following the end of the very first evaluation duration. You will then be compensated month-to-month regarding the exact same date, unless your payment date falls on a week-end or Bank Holiday.

It is possible to make an application for an advance re re payment of the Universal Credit if you’re in monetaray hardship while you await your very first payment, for instance, if you can’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 you may be getting if you no longer get Universal Credit, for example, from your wages or other benefit.

You may also be able to get a Budgeting Advance to help pay for emergency household costs, for example, buying a new cooker or for help getting a job or staying in work if you are already receiving Universal Credit.

Simple tips to submit an application for a Universal Credit advance

It is possible to submit an application for a Universal Credit advance:

  • before you receive very first re re re payment
  • if you are currently being compensated Universal Credit while having told us of a modification of your needs this means you’re going to be compensated more Universal Credit but haven’t yet been compensated the increased amount

To utilize for a Universal Credit advance you can easily:

  • get hold of your Jobcentre Plus work coach
  • use through your online account
  • call the Universal Credit helpline

Using throughout your online account

Pick the ‘apply for the advance’ area to try to get an advance online during your account .

You are able to only apply for an advance online if you’re in your very first Universal Credit evaluation period and you have had a job interview during the jobcentre. For those who have passed away very first evaluation duration it is important to use by calling the helpline.

Whenever you make an application for an advance online, the total amount you may get will likely to be shown on display 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 the Universal Credit helpline

In the event that you make an application for an advance by talking with your projects mentor or calling the Universal Credit helpline, you (along with your partner when you have one) will have to:

  • explain why an advance is needed by you
  • offer banking account details where in actuality the advance must certanly be compensated (speak to your work mentor if you fail to start an account)
  • have experienced your identification examined at a jobcentre

Whenever you’ll get a choice

You’ll get a quick choice on your advance application. You’ll usually find out the results regarding the exact same time.

Simply how much you could get

You might be capable why not find out more of geting as much as 100per cent of the expected Universal Credit re re payment.

You need to repay an advance from future Universal Credit re re payments or by other means if you not any longer get Universal Credit, such as for instance from wages or other advantages you are getting.

Price of repayments

Online you will be shown on screen the repayment amounts for different repayment periods if you apply for an advance.

Whether you can afford to repay the advance if you apply by phone, the Universal Credit helpline adviser assesses. Over the phone if they agree to the advance, they will tell you:

  • exactly how much it’s possible to have
  • the repayment that is monthly
  • as soon as the repayment that is first due

The way the advance is paid back

Deductions are produced from your month-to-month Universal Credit re re re payment. The very first deduction is made at the time you can get very first re re re payment and you’ll have as much as year to cover straight right right back the advance.

You are able to ask for the repayments to up be delayed for to a couple of months if you can’t manage them. This might be just permitted in excellent circumstances.

If you should be refused an advance

You might be refused an advance in the event that you:

  • have not had your identity examined during the Jobcentre
  • are able to afford to last until your re re payment of Universal Credit
  • live with moms and dads, family members or buddies
  • have earnings that are final redundancy re re payments
  • have available cost savings

You are able to ask when it comes to decision become reconsidered however you would not have the directly to charm.