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Category: Benefits and Support

Universal Credit advances, hardship grants and local help.

What to Have Ready When You First Claim Universal Credit: A Checklist

Terracotta tiled rooftops in front of a beige apartment building with arched windows and wooden balconies.
U.S. Dept. of Housing and Urban Development (HUD)

A checklist for a first Universal Credit claim: eligibility, identity, the details and documents to gather, and what happens in the five-week wait.

Categorized as Benefits and Support

Getting Started With Charitable Grants for Essential Costs

Soldiers load boxes of donated supplies into a car at an outdoor distribution point.
Creator:Jimmy Panetta

How charitable grants work, who offers them, how to find funds you may qualify for and what to try if an application is turned down.

Categorized as Benefits and Support

When to Apply for Council Tax Reduction: A Timeline for Claiming Help

A metal letterbox numbered 13A surrounded by roses and green foliage in a sunny front garden.
Daniel von Appen

A step by step timeline for claiming Council Tax Reduction after your income drops, from notifying the council to what to do if you are refused.

Categorized as Benefits and Support

Getting Started With Local Welfare Assistance Schemes

Four people in suits and masks stand before a mural reading Serve All with painted hands and fruit.
U.S. Department of Agriculture

How council-run welfare assistance and hardship schemes work, what they cover, who can apply and how to apply when you cannot cover an essential cost.

Categorized as Benefits and Support

Universal Credit Advance Myths That Stop People Applying

A person counts banknotes in their hands next to a crate of yellow mangoes at a street market stall.
Mustafa Özdemir

Common myths about Universal Credit advances, cleared up: who qualifies, how repayments work and what happens to your credit file if you apply.

Categorized as Benefits and Support

About this site

Plain-English information about short-term borrowing in the UK. We are not a lender or broker, and nothing here is financial advice.

Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk.

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