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’ll then be compensated month-to-month in the exact same date, unless your re re payment date falls on a week-end or Bank getaway.
You are able to submit an application for an advance re payment of the Universal Credit while you wait for your first payment, for example, if you canвЂ™t afford to pay your rent or buy food if you are in financial hardship.
You need to pay off your advance a little at any given time from your own future Universal Credit 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 may well be getting.
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.
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 very first re re payment
- Us of a change in your circumstances that means you will be paid more Universal Credit but have not yet been paid the increased amount if you are already being paid Universal Credit and have told
To use for a Universal Credit advance you’ll:
- get hold of your Jobcentre Plus work coach
- use using your online account
- call the Universal Credit helpline
Using using your online account
Select the вЂapply for the advanceвЂ™ area to use for an advance online during your account .
You are able to only submit an application for an advance online you have had an interview at the jobcentre if you are within your first Universal Credit assessment period and. For those who have passed away very first evaluation duration it is important to apply by calling the helpline.
You can get will be shown on screen when you apply for an advance online, the amount.
You will also be asked if your partner agrees to the advance if you are part of a couple.
Using during your work advisor or even the Universal Credit helpline
In the event that you make an application for an advance by talking to your projects advisor or calling the Universal Credit helpline, you (along with your partner when you yourself have one) will have to:
- explain why an advance is needed by you
- offer bank-account details where in actuality the advance must certanly be compensated (speak to your work mentor if you fail to start a merchant account)
- experienced your identification examined at a jobcentre
Whenever youвЂ™ll get a determination
YouвЂ™ll get a quick choice on your advance application. YouвЂ™ll usually find out the end result regarding the day that is same.
Simply how much you may get
You might be capable of geting up to 100per cent of one’s calculated Universal Credit re re payment.
You need to repay an advance from future Universal Credit re re payments or by other means in the event that you not get Universal Credit, such as for example from wages or other advantages you may well be getting.
Price of repayments
Online you will be shown on screen the repayment amounts for different repayment periods if you apply for an advance.
If you use by phone, the Universal Credit helpline adviser assesses whether you are able to manage to settle the advance. Over the phone if they agree to the advance, they will tell you:
- just how much it’s possible to have
- the month-to-month payment quantities
- as soon as the repayment that is first due
The way the advance is paid back
Deductions are manufactured from your Universal Credit that is monthly re re payment. The deduction that is first made regarding the time you can get very first re re payment and youвЂ™ll have actually around one year to pay for right right back the advance.
It is possible to ask for the repayments to up be delayed for to a few months in the event that you canвЂ™t manage them. This will be just permitted in exemplary circumstances.