Getting a Universal Credit advance payment

One of the big differences between Universal Credit and the way existing benefit payments are paid is that you will be paid monthly in arrears. This means you might have to wait up to five weeks for your first payment.

If you don’t have enough money to live on whilst you wait for your first Universal Credit payment, you can ask for an advance payment. The amount you get could be up to 100% of your Universal Credit payment. Remember, you will be expected to pay your rent if you get an advance payment.

You can apply for an advance payment online or through your work coach as soon as you make your claim for Universal Credit. You’ll usually find out the same day if you can get an advance.

How are the advance payments paid back?

The advance payment is a loan and you pay this back from your ongoing Universal Credit payments over the next 12 months (or sooner). This means you’ll get less each month until it’s paid off. You will not pay any interest.

Need further help?

Call the Universal Credit helpline if you need help applying for an advance payment on 0800 328 5644.

Alternatively speak to SLH’s Benefits Advice team. We will have an advisor at Reach, Speke library, from 9.30am to 4pm Monday to Friday.

Need some help? Get in touch