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Universal Credit Advance - Can I get a Universal Credit Advance?

When you first make a claim for Universal Credit you will have to wait around five weeks for your first payment. If you face financial hardship during this period of time you can request an Advance Payment of Universal Credit. The Advance Payment is a loan which you have to pay back from your Universal Credit payments a bit at a time. You don’t pay any interest on a Universal Credit Advance Payment.

Can I get a Universal Credit Advance?

You have to be in financial need to get a Universal Credit advance.  You may be able to get a UC Advance if you are in financial need following a:

  • new claim for Universal Credit, because you have to wait at least five weeks for the first payment
  • change of circumstances which means you are waiting for an increase in your entitlement

You will have to tell the DWP how much money you need and what you need it for.  You should give a breakdown of how much you need for essential items such as rent, bills, and food.  The DWP will then decide whether to pay you an advance and if so how much advance payment they can give you.

If they refuse you a Universal Credit Advance you can ask them to reconsider the decision.


Updated February 2018

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