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Universal Credit Advance - How do I claim 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.

How do I claim a Universal Credit Advance?

You can request an advance payment by:

  • Speaking to your Work Coach or
  • Via your Universal Credit online journal if you have an online account; or
  • Calling the Universal Credit Helpline:

           Telephone 0800 328 5644
           Textphone 0800 328 1344

           Monday to Friday, 8am to 6pm

When requesting an advance you will be asked to:

  • explain why you need an advance,
  • provide your bank details so that the DWP can arrange a payment if an advance is agreed and
  • have had your identity checked for your new Universal Credit Claim.  

You will usually be told the same day if you can receive the advance payment.

When can I claim a Universal Credit Advance

You claim a Universal Credit Advance when:

  • you first claim Universal Credit, or
  • you are waiting for your first payment of Universal Credit, or
  • you have just reported a change of circumstance to the DWP, which increases your entitlement but your waiting for the increase to be paid.


Updated February 2018



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