Universal Credit: How to get an advance of your first payment

Manyone in the UK receive Universal Creditwhich is a payment for people over the age of 18 and below statutory retirement age who are either unemployed, in work or on low income.

What many who start claiming this benefit don’t know is that it’s possible to get an advance on your first Universal Credit payment.

Here in this guide to universal credit and prepaymentswe explain how and why you could ask to receive your money sooner.

Why request a Universal Credit prepayment?

Once you’ve applied for Universal Credit, the process to get approved and to start receiving your monthly payments – or bi-weekly payments in Scotland – can take a while, at least five weeks.

So you should ask for a down payment if you really don’t think you’ll have enough money to live between the application and the date you take your first Universal Credit payment.

How do I apply for a Universal Credit prepayment?

As for the Credit Universel deposit request process, it’s quite simple. Just ask your job coach during your first Universal Credit interview, apply through your online account, or call the Universal Credit Helpline.

You will usually know right away whether or not you can receive a down payment.

Asking for a deposit is quite common and nothing to be ashamed of, so you should think about it if you think you need it.

But, keep in mind that the prepayment is a loan and it means that you will receive less money in future payments.

You have to repay the prepayment money over time, although there is no interest involved, which is a good thing.


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Elaine R. Knight