Getting a Universal Credit budgeting advance

Mae'r cyngor hwn yn berthnasol i Cymru. Gweler cyngor ar gyfer Gweler cyngor ar gyfer Lloegr, Gweler cyngor ar gyfer Gogledd Iwerddon, Gweler cyngor ar gyfer Yr Alban

You might be able to get a loan as part of your Universal Credit if you need to cover a specific expense - this is called a 'budgeting advance'.

If you get a budgeting advance, you'll get reduced Universal Credit payments until you've paid off the amount you borrow. This will normally be over 12 months.

You can apply for a budgeting advance to cover things like:

  • a one-off item - eg replacing a broken fridge

  • work-related expenses - eg buying uniform or tools

  • unexpected expenses

  • repairs to your home

  • travel expenses

  • maternity expenses

  • funeral expenses

  • moving costs or rent deposit

  • essential items, like clothes

If you've applied for Universal Credit but haven't had your first payment yet, you need to get an advance payment instead of a budgeting advance.

Gwirio pryd gewch chi Daliadau Costau Byw

Os ydych chi’n gymwys, bydd y llywodraeth yn anfon taliad o £299 atoch yn ystod y gwanwyn 2024. Byddwch yn cael y taliad rhwng 6 a 22 Chwefror 2024.

I gael y taliad o £299, mae’n rhaid i chi fod wedi cael Credyd Cynhwysol ar gyfer y cyfnod asesu a ddaeth i ben rhwng 13 Tachwedd a 12 Rhagfyr 2023.

Byddwch yn dal i gael y taliad hyd yn oed os cafodd eich Credyd Cynhwysol ei dalu i'ch landlord neu os na chawsoch eich talu oherwydd didyniadau.

Os na chawsoch y taliad diwethaf

Anfonodd y llywodraeth y Taliad Costau Byw diwethaf o £300 yn ystod yr hydref 2023 - dylech fod wedi’i dderbyn erbyn 19 Tachwedd. 

Dylech fod wedi cael y taliad hwn os oeddech chi’n cael Credyd Cynhwysol ar gyfer y cyfnod asesu a ddaeth i ben rhwng 18 Awst a 17 Medi 2023.

Os ydych chi’n credu y dylech fod wedi cael Taliad Costau Byw, gallwch roi gwybod am daliad coll ar GOV.UK.

Os ydych chi’n dal i aros am benderfyniad am eich hawliad

Os gwnaethoch chi ddechrau hawliad Credyd Cynhwysol erbyn 18 Awst a'ch bod yn aros am benderfyniad, gallwch o hyd gael y Taliad Costau Byw. Ni fyddwch yn ei dderbyn nes bydd eich hawliad yn llwyddiannus.

When you can get a budgeting advance

You can get a budgeting advance if you need the money to help you get or stay in work - like train tickets for a job interview. If you need the money for any other reason, you’ll need to have claimed one of these benefits for 6 months or more:

  • Universal Credit

  • means-tested Jobseeker's Allowance,

  • means-tested Employment and Support Allowance

  • Income Support

  • Pension Credit

You'll also need to have earned less than £2,600 in the 6 months before your application. This figure is £3,600 if you live with a partner.

You can't get a budgeting advance if you or your partner is still paying off a previous budgeting advance.

How much you can borrow

The smallest budgeting advance you can get is £100. The maximum depends on your circumstances. You can borrow up to:

  • £348 if you're single without children

  • £464 if you're in a couple without children

  • £812 if you have children

If you have more than £1,000 in capital

Capital includes any savings, and some types of property.

If you have more than £1,000 in capital, the Jobcentre will reduce your budgeting advance by the excess amount.

For example, if you have £1,250 in capital, the Jobcentre will reduce your budgeting advance by £250.

Applying for a budgeting advance

You'll need to apply for your budgeting advance over the phone. To decide if you're eligible, and how much you can get, an adviser will look at:

  • whether you can afford to pay the loan back - they'll see if you have any debts and how much you owe to help work this out

  • how much you have in capital

You'll normally get a decision on the same day.

Llinell gymorth Credyd Cynhwysol

Rhif ffôn (Cymraeg): 0800 012 1888

Rhif ffôn: 0800 328 5644 Ffôn testun: 0800 328 1344

Relay UK - os na allwch glywed neu siarad ar y ffôn, gallwch deipio'r hyn rydych am ei ddweud: 18001 yna 0800 328 5644

Gallwch ddefnyddio Relay UK gydag ap neu ffôn testun. Nid oes tâl ychwanegol i'w ddefnyddio. Dysgwch sut i ddefnyddio Relay UK ar wefan Relay UK.

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Dydd Llun i ddydd Gwener, 8am tan 6pm

Mae galwadau am ddim o ffonau symudol a llinellau tir.

If you're refused a budgeting advance

You can't appeal if your application is rejected, but you can ask for the decision to be looked at again. It will help if you can give new evidence or show that your circumstances have changed since your first request.

If you need money, check what extra help you can get.

You can read more about getting help with your living costs, or get help from your nearest Citizens Advice.

If you're in debt or rent arrears

There are some steps you can take to help you reduce your debt if you've just applied for Universal Credit.

You can also read our advice on dealing with debt.

If you’re struggling with money

There are things you can do to save on your regular living costs. Check what to do if you need help with living costs.

If you’re finding it hard to pay your bills, you can get help. Find out more about getting help with your bills.

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Adolygwyd y dudalen ar 19 Mehefin 2018