£812 DWP Budgeting Loans 2025 – thousands of people are Applying Now

£812 DWP Budgeting Loans 2025: A Budgeting Loan is financial support for individuals receiving certain benefits, helping cover essential expenses like household items, rent, travel, and more. This guide explains how they work, who can apply, and the borrowing limits.

How Budgeting Loans Work

Budgeting Loans can assist with costs for:

• Furniture and appliances (e.g., washing machines).
• Clothing or footwear.
• Rent in advance or moving house costs.
• Home maintenance, improvements, or security.
• Traveling within the UK.
• Expenses linked to starting a new job.
• Maternity or funeral costs.
• Repayment of hire purchase loans or other loans used for the above items.

Key Features of £812 DWP Budgeting Loans 2025

• You only repay the borrowed amount.
• Repayments are automatically deducted from your benefits.

Eligibility Criteria

To qualify for a Budgeting Loan, you must have received one or more of these benefits for at least 6 months:

• Income Support
• Income-based Jobseeker’s Allowance (JSA)
• Income-related Employment and Support Allowance (ESA)
• Pension Credit

How to Apply online for £812 DWP Budgeting Loans 2025

When you apply online, you can choose to get a decision on your loan by either:

• email
• text message
• letter

It’s quicker to get the decision by email or text message and accept it online.

If you’ve already applied and you’re waiting to get a decision, do not apply again. If you need to change details on your application, contact the Social Fund Enquiry Line.

Apply using the paper form

You will need to fill in form SF500. You can:

• download and print the form
• phone the Social Fund Enquiry Line and ask for a form to be posted to you – allow 7 days for the form to arrive

Return your completed form by post.

Contact the Social Fund Enquiry Line

The line can:

• make changes to your application after you’ve submitted it
• post an application form to you

Social Fund Enquiry Line
Telephone: 0800 169 0140
Textphone: 0800 169 286
Relay UK (if you cannot hear or speak on the phone): 18001 then 0800 169 0140
British Sign Language (BSL) video relay service if you’re on a computer – find out how to use the service on mobile or tablet
Monday to Friday, 10am to 3pm
Welsh language: 0800 169 0240
Monday to Friday, 8am to 5pm

Special Case for Universal Credit

If you transitioned from Universal Credit to Pension Credit, the time spent on Universal Credit counts toward the 6-month requirement.

When You Cannot Apply

You cannot get a Budgeting Loan if:

• You currently receive Universal Credit (apply for a Budgeting Advance instead).
• You get New Style JSA or New Style ESA.
• You owe more than £1,500 in Crisis Loans and Budgeting Loans.
• You are involved in industrial action (e.g., strikes, lockouts).

How Much You Can Borrow

Loan Limits

The minimum you can borrow is £100, and the maximum depends on your circumstances:

• £348 if you’re single.
• £464 if you have a partner.
• £812 if you or your partner claim Child Benefit.

Factors That Affect the Amount

Your loan amount depends on:

• Your ability to repay the loan.
• Savings exceeding £1,000 (or £2,000 if you or your partner are over 63).
• Any existing Budgeting Loan or Crisis Loan repayments.

How the Loan Is Paid

Budgeting Loans are deposited into the same account as your benefit payments. If you want the loan to go into a different account:

1. Change the account for your benefit payments before applying.
2. Use the paper application form, which takes longer to process.

Budgeting Loans are a helpful resource for managing essential costs during financial hardship. To maximize your eligibility and borrowing potential, ensure you meet the 6-month benefit requirement and maintain manageable savings levels. For those on Universal Credit, consider applying for a Budgeting Advance instead.

FAQ