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More people offered pre-approved credit cards and loans than at the start of the year


Some borrowers now have a better chance of being accepted for a credit card or personal loan than at the start of the year, according to a study.

Credit-checking company Experian said more than six in 10 customers (61%) using its “marketplace” – a money comparison and auto insurance service – had a credit card offer for which they had been pre-approved in August, up from 47% in January. And 44 percent of clients had a loan offer that they had been pre-approved for, compared to 33 percent.

Consumer eligibility ratings appear next to each result when they compare credit products. “Soft” credit searches are performed when people compare products with Experian.

Indirect searches allow businesses to take a first look at information on a person’s credit report without impacting their credit rating or future inquiries. They indicate whether someone is likely to be successful if they apply for a particular loan.

Even customers whose credit scores were classified by Experian as bad or very bad were more likely to see credit card and loan offers that they had been pre-approved for in August than in January.

Sebastian Worbs of Experian Consumer Services said, “Eligibility scores give people an indication of their chances of being approved for a specific credit agreement.

“As lenders continue to bring competitive products to market, consumers have a better chance of being pre-approved for a product that meets their needs. “

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China saw benchmark rate maintain in September, some expect more liquidity


SHANGHAI, Sept. 17 (Reuters) – China is set to keep its benchmark benchmark rate stable for the 17th month when it is set in September next Wednesday, a Reuters survey showed, but market participants expect more targeted liquidity measures as the economy grapples with the fallout from the Delta variant.

Nineteen traders and analysts, or 95% of 20 participants, in the snapshot survey predicted no change in the prime lending rate (LPR) at one year or the five-year term after the People’s Bank of China ( PBOC) maintained the interest rate. on its medium-term credits stable this week.

The last respondent predicted a marginal decrease of 5 basis points in one-year LPR and did not foresee any change to the five-year term, which influences mortgage pricing. The authorities have stepped up measures to cool the housing market this year amid rising house prices and financial risks.

The one-year LPR is currently 3.85% and the five-year rate is 4.65%.

Expectations of a steady LPR fixing come after the PBOC this week pledged more than 600 billion yuan ($ 93.04 billion) in medium-term loans, while keeping the interest rate unchanged for the 17th. consecutive month.

The interest rate on the Medium Term Loan Facility (MLF) serves as a guide for the LPR, and many traders and analysts say any LPR adjustment should mimic changes in the cost of borrowing MLF loans.

Ken Cheung, chief Asian currency strategist at Mizuho Bank, said the fact that the 1-year MLF rate remained stable “signaled (the) slim chance of lowering the LPR this month.”

Despite this, market participants expect policymakers to provide more liquidity and budget support to stop a slowdown in the world’s second-largest economy. Activity indicators in August showed further coronavirus outbreaks and supply disruptions threatening the country’s economic recovery.

“The Delta wave has had a pretty heavy impact on China’s growth, especially in the service sector,” said Chen Jingyang, Greater China Economist at HSBC.

“As growth approaches the lower end of the officially estimated 5.0-5.7% potential growth range, Beijing may step up targeted easing to generate a moderate recovery in growth in our view,” he said. Chen said.

She expects Beijing to further accelerate special bond issuance and roll out more targeted easing measures, including targeted reductions in the reserve requirement ratio (RRR) to support SMEs.

The LPR is a benchmark loan rate set monthly by 18 banks.

The 20 survey responses were collected from selected participants on a private messaging platform. ($ 1 = 6.4488 Chinese yuan) (Reuters Bond Team Report, written by Winni Zhou; edited by Ana Nicolaci da Costa)

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Bank of Baroda cuts interest rates on home and auto loans: details inside



oi-Vipul Das


To celebrate the current holiday season, Bank of Baroda has announced a reduction in interest rates on its home loans and auto loans. The lender grants a concession of 0.25% on the applicable rates in effect for home and auto loans. After the announcement, mortgage rates will now start at 6.75%, while auto loan rates will start at 7.00% according to the bank’s official update via its Twitter account. The lender said, “This holiday season, karo #KhushiyonKaShreeGanesh as #BankofBaroda is offering a 0.25% concession on the existing interest rate. Get a 6.75% home loan and a 7% car loan. , 00%. Offer valid until December 31, 2021. “

Bank of Baroda, winner of the “Best Technology Bank” award among major banks at the IBA Banking Technology 2021 conference and first bank in the MEITY FY21 digital payments ranking index, recently announced the launch of its platform. ‘Bob World’ digital banking form, which aims to provide a comprehensive and immersive digital banking experience covering all of its digital banking services under one platform.
“This ‘bob world’ platform is designed to offer a wide range of banking products and services, to be rolled out in phases, under its four key pillars of Save, Invest, Borrow, Shop,” said BoB.

According to the Bank of Baroda announcement, “The app will offer a large directory of more than 220 converged services in a single app, covering almost 95% of all retail banking offerings, which customers will be able to access, both nationally and globally. With 24/7 accessibility for customers, the app will make it easy and convenient for customers to save, invest, borrow and buy. The app aims to provide an intuitive experience for customers and is carefully designed to balance the needs of millennial users with those of more experienced customers. “

BoB said in the statement that “‘bob World’ offers 10 minute digital account opening with instant virtual debit card issuance, online loan application with instant disbursement for certain loan products, shopping experience top-notch with exciting rewards through digital interactions. and a host of other benefits, including organized investment products. “bob World” has integrated e-commerce as a major pillar of its proposition to provide customers with a healthy and rewarding banking experience and beyond, under one roof. ”

“Since the pilot launch of ‘bob World’ on 23.08.2021, the app is already used by more than 50 lakhs of users, of which 70% of users gave the app ‘bob World’ a 5 star rating. on Play Store / App Store, ”added the bank.

“The new corporate sub-brand for digital is a testament to our commitment to serving customers around the world, digitally and 24/7. With “bob World”, we offer all of our digital offers under one roof so that the customer benefits from all digital services under one roof with a consistent experience. Integrated finance is an important theme in the ‘bob World’ app, as is the rewarding loyalty program, which underpins all digital interactions with the bank, ”said Mr. Sanjiv Chadha, Managing Director and CEO of Bank of Baroda on the occasion of the launch of “bob World”.

Article first published: Friday September 17th, 2021, 10:13 AM [IST]

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September 16, 2021 – Lending rate hike – Forbes Advisor


Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but this does not affect the opinions or ratings of our editors.

10-year fixed-rate private student loan rates jumped last week. If you want to take out a private student loan, you can still get a relatively low rate.

According to Credible.com, from September 6 to 10, the average fixed interest rate on a 10-year private student loan was 6.11%. It was 3.12% on a five-year variable rate loan. This is for borrowers with a credit score of 720 or higher who have prequalified on Credible.com’s student loan market.

Related: Best private student loans

Fixed rate loans

The average fixed rate on 10-year loans rose last week from 0.82% to 6.11%. The previous week, the average stood at 5.29%.

Borrowers looking for a private student loan can now benefit from a lower rate than they would have at this time last year. At the same time last year, the average fixed rate on a 10-year loan was 6.38%, 0.27% higher than the current rate.

If you were to fund $ 20,000 in student loans at the current average fixed rate, you would pay about $ 223 per month and about $ 6,778 in total interest over 10 years, according to Forbes Advisor’s student loan calculator.

Variable rate loans

Last week, five-year variable student loan rates rose to 3.12% from 2.67% the week before.

Unlike fixed rates, variable interest rates fluctuate over the life of the loan. Variable rates can start off lower than fixed rates, especially during times when rates are generally low, but they can increase over time.

Private lenders often offer borrowers the option of choosing between fixed and variable interest rates. Fixed rates may be the safest bet for the average student, but if your income is stable and you plan to pay off your loan quickly, it might be beneficial to choose a variable loan.

Financing a private loan of $ 20,000 over five years at 3.12% would give a monthly payment of approximately $ 360. A borrower would pay $ 1,626 in total interest over the life of the loan. Keep in mind that since the interest rate is variable, it could change every month.

Related: How to get a private student loan

Obtain a private student loan

If you meet or don’t qualify for federal student loan annual borrowing limits, private student loans may be a good option. But consider a federal student loan as your first option, as interest rates are generally lower. For example, the federal undergraduate student loan interest rate is 3.73% for the 2021-2022 school year. You will also benefit from more liberal repayment and forgiveness options with federal student loans.

When shopping for a private student loan, you will usually need to apply directly to a non-federal lender. This includes banks, credit unions, nonprofits, state agencies, colleges, and online entities.

Keep in mind that undergraduates with limited credit histories often need a co-signer who can meet the lender’s borrowing requirements.

Here is what to consider when applying for a private student loan:

  • Make sure you qualify. Private student loans are credit-based and lenders typically require a credit score of around 600. This is why having a co-signer can be particularly beneficial.
  • Apply directly to lenders. You can apply directly on the lender’s website, by mail or by phone.
  • Compare your options. See what each lender is offering and compare the interest rate, term, future monthly payment, origination fees, and late fees. Also check to see if the lender offers a co-signer discharge so that the co-borrower can potentially opt out of the loan.

How to Compare Private Student Loans

First, take a look at the overall cost of the loan. Consider both the interest rate and the fees. Also consider the type of help that each lender offers if you are unable to meet your payments.

If you have good or excellent credit, you have a better chance of getting the best interest rates.

How much should I borrow? Experts generally recommend that you borrow no more than what you will earn in your first year out of college. How much can you borrow? Some lenders cap the amount you can borrow each year, while others don’t. When looking for a loan, find out from lenders how the loan is disbursed and what costs it will cover.

The rate you will receive

The rate you receive depends on whether you get a fixed or variable loan. Rates, in part, are based on your creditworthiness – those with higher credit scores often get the lower rates. But your rate is also based on other factors. Credit history, income, and even the degree you are working on and your career can play a role.

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US Household Incomes Fall For The First Time Since 2011: What To Do If You Are In Financial Difficulty


Income fell for the first time since 2011, here’s what to do if you’re having trouble. (iStock)

U.S. household incomes experienced their first statistically significant decline since 2011, dropping 2.9% from 2019 to 2020, according to the US Census Bureau.

Economic growth stagnated in 2020, as evidenced by a median household income of $ 67,521; that’s a decrease from $ 69,560 in 2019, according to the Census Bureau’s Income and poverty in the United States: 2020 report, published jointly with the Bureau of Labor Statistics (BLS).

Median wages for all workers fell 1.2% in 2020, offset by gains for full-time, full-year workers where wages rose 6.9%.

If you’ve been affected by declining household income, a personal loan could help you meet your expenses or pay off other high-interest debt like credit cards. With today’s historically low rates, Americans can save money on their monthly payments by consolidating their debt. Visit Credible to find your personalized interest rate for a personal loan today.


Poverty rate rises without economic recovery

As income sources declined for the average household, the Census Bureau study shows the official poverty rate to be 11.4%, a percentage point higher than in 2019 and a break in a trend of five. consecutive years of annual decline. In 2020, 37.2 million people were living in poverty, 3.3 million more than the previous year.

However, another report, which estimates after-tax income (versus before-tax) and includes stimulus payments, was more optimistic. The Supplementary Poverty Measure (MPS) was 9.1% in 2020, 2.6 percentage points lower than in 2019, according to the Census Bureau’s The Supplementary Poverty Measure: 2020 report.

Including the economic stimulus payments, the data was more reassuring, but many Americans were still struggling with the effects of economic shutdowns induced by the coronavirus pandemic in 2020. One way to get back on your feet is to refinance in cash. Mortgage rates are currently hovering below 3%, making this a great time to withdraw money from your home. It will also allow homeowners to skip their next monthly payment and possibly even reduce their new payment while withdrawing money. Visit Credible to compare multiple lenders at once and see which one has the best rate for you.


Where can I take out a loan?

If you are suffering from a loss or declining income and need to take out a loan to catch up, there are several options available to you.

A personal loan can help you pay unpaid bills, consolidate high interest credit card debt, or even improve your home. Visit Credible to compare several loan options from various lenders and you can get pre-approved in minutes without affecting your credit score.


Homeowners can also consider mortgage refinancing. With interest rates at historically low levels, borrowers can refinance and reduce their monthly payments by paying less interest while withdrawing money from their home. Often after refinancing, a homeowner can also skip several months before needing to start paying off the new home loan again. Contact Credible to speak to a mortgage expert and get all your questions answered.

Have a finance-related question, but don’t know who to ask? Email the Credible Money Expert at [email protected] and your question could be answered by Credible in our Money Expert column.

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If you qualify for Biden’s $ 10 billion pardon, you probably know it.


In the past nine months, the Biden administration has enacted nearly $ 10 billion in student loan cancellations, using the executive branch to modify or expand existing federal student loan relief programs.

Student loan borrowers are asking for information on who qualifies and how to get relief. But for the vast majority of borrowers who qualify, no action is required. This is because most of the covered student loan exemption initiatives will be implemented automatically and borrowers will be notified by the Ministry of Education. In short, if you qualify, you probably will know.

Here are the details :

  • $ 1.5 billion in expanded relief through the Borrower Until Repayment program, which cancels federal student loans for borrowers who have been defrauded by their college, university or trades school. While borrowers can apply for borrower defense relief, the $ 1.5 billion cancellation announced by the Biden administration earlier this year alone expands relief for borrowers who already approved. The administration rolled back a Trump-era “partial relief” policy that had allowed the department to continue to collect at least some federal debt covered by student loans for claims approved by the borrower’s defense; now, the department will completely write off any remaining federal student loan debt for borrowers covered by the expanded relief. The Ministry of Education has already started informing borrowers.
  • $ 1.1 billion in student loan cancellation under the Closed-School Discharge program for alumni of ITT technical institutes, which closed in 2016. Most borrowers will not have to apply for this relief . According to the Ministry of Education, “borrowers who are entitled to a closed school discharge and have attended a [ITT] an establishment that closed between November 1, 2013 and July 1, 2020 will receive an automatic discharge as long as it has not enrolled in another establishment within three years of the closure of its school. Most affected borrowers did not enroll elsewhere, but for those who did, they may need to submit a closed school release request.
  • $ 5.8 billion in federal student loan relief through the Total and Permanent Disability (TPD) release program. This will result in the cancellation of the federal student loan for borrowers who have been found disabled by the Social Security Administration and who are receiving Social Security disability benefits with a disability review period of at least five to seven. years. The discharges will be automatic, as the Ministry of Education will use data sharing tools with the Social Security Administration to determine who is eligible. Eligible borrowers should be informed.
  • $ 1.3 billion in canceled loan repayments for TPD borrowers whose previous disability releases were canceled during the pandemic due to failure to meet post-release monitoring requirements from the Department of Education. The Biden administration is waiving TPD monitoring requirements indefinitely going forward as officials work to overhaul the regulations governing the TPD program. Loans that were reinstated during the pandemic will automatically be reset to their previously released status, and affected borrowers should be notified.
  • The Biden administration will retroactively wipe out accrued interest on federal student loans for current and former active-duty military service members who were entitled to interest relief for deployments to hostile pay zones, but did not requested or received the interest relief benefit. No application is required – the Ministry of Education has indicated that it will “automatically provide student loan interest to eligible members of the service” through tools for sharing data with the Ministry of Defense.

So the vast majority of reliefs covered by the Biden administration’s student loan initiatives will be automatic and borrowers should be made aware of this. That said, the Department of Education recently demonstrated that its communications with borrowers are far from perfect. For example, at least some notifications to borrowers eligible for extended Borrower Defense relief arrived more than six months after the initial announcement and included misinformation. However, the Ministry of Education quickly corrected the errors and assured borrowers that the delays and errors had “no negative impact.” [on] approved requests.

Meanwhile, advocates for student loan borrowers continue to push the Biden administration to expand its student loan cancellation initiatives. The administration has relied on a “targeted” approach to canceling student loans using existing federal programs. This has produced very real results for hundreds of thousands of borrowers, but $ 10 billion is a small fraction of the total federal student debt outstanding. The Biden administration continues to examine legal authorities that could be used as the basis for broader debt relief.

Further reading

These student loans are excluded from Biden’s forgiveness and loan relief programs – here’s why

Student loan borrowers: expect these 4 things by January

Biden administration begins overhaul of student loan forgiveness and income-tested repayment programs

This student loan forgiveness program is in crisis, new findings confirm. Will Biden fix it?

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Statistics on loans managed by Credit Servicing Firms (CSF): Q2 2021


09/16/2021 – Press releases

  • In the second quarter of 2021, the face value of loans to domestic residents served by domestic CSFs that were transferred to non-resident specialized financial institutions increased by € 18,980 million.

  • The total value of the above loan category increased to € 61,754 million at the end of the second quarter of 2021, from € 42,774 million in the previous quarter.

Business loans

The face value of business loans serviced increased to € 26,572 million in the second quarter of 2021, from € 16,782 million in the previous quarter. More specifically, the nominal value of loans to non-financial corporations (NFCs) increased by € 9,791 million to reach € 26,493 million at the end of the second quarter of 2021. Of the total of these loans to NFCs, one amount of € 14,220 million correspond to loans to small and medium-sized enterprises (SMEs).

The face value of loans to other financial institutions served by CSFs remained unchanged at € 80 million at the end of the second quarter of 2021.

Loans to Sole Proprietorships, Farmers and Unincorporated Partnerships

The face value of loans to sole proprietorships, farmers and partnerships served by CCAs increased by € 1,936 million from the previous quarter to reach € 7,474 million at the end of the second quarter of 2021 .

Loans to individuals and private non-profit institutions

The nominal amount of loans to individuals and private non-profit institutions served by CSFs increased from € 7,253 million to € 27,707 million at the end of the second quarter of 2021. More specifically, consumer loans served increased by € 1,287 million to € 13,844 million, while the corresponding home loans increased by € 5,967 million to € 13,678 million.

Table: Loans to domestic residents transferred to foreign financial institutions and managed by CSFs

(Nominal value, end of quarter data, in millions of euros)

T4 – 2020

T1 – 2021

T2 – 2021

Private sector

39, 938





16 782


Non-financial corporations (SNF)




of which small and medium-sized enterprises


8 879


Other financial institutions




Sole proprietors, farmers and unincorporated partnerships

6 173

5 538


Individuals and private non-profit institutions




of which consumer loans

12 221


13 844

including home loan

7 347

7 711


Figures may not add up due to rounding.

Further information:

The next press release on “Statistics on loans managed by credit service companies (CSF))‘for the third quarter of 2021 will be published on December 16, 2021 according to the Early exit schedule published on the Bank of Greece website.

Related link:

Loans managed by credit management companies

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State Bank of India (SBI) cuts mortgage interest rates to 6.7% in midst of holiday season


SBI home loan interest rate: India’s largest lender cuts rate to 6.7%

The State Bank of India (SBI) has cut mortgage interest rates to 6.7% to support home loan customers to make home loans more affordable during the holiday season. The nation’s largest lender offers home loans tied to the 6.70% credit score regardless of the loan amount, according to a statement shared by the bank today.

Previously, a borrower with a loan greater than Rs. 75 misses, had to pay an interest rate of 7.15%, but with the introduction of holiday-related offers, a borrower can now qualify for a home loan for any amount at a rate of 6.70 percent, SBI said in its statement. .

The holiday offer results in a saving of 45 basis points (bps), which translates into an interest saving of over Rs. 8 missing, for a Rs. 75 missing loan with a duration of 30 years. In addition, the interest rate applicable to a self-employed borrower was 15 basis points higher than the interest rate applicable to a salaried borrower.

The state bank removed the distinction between a salaried borrower and a non-salaried borrower. This means that no occupancy-related interest premium is now charged to potential mortgage borrowers. This will lead to a further interest saving of 15 basis points for non-salaried borrowers.

SBI has waived processing fees completely and offers an attractive interest reduction based on the borrower’s credit rating.

Generally, concessional interest rates are applicable for a loan up to a certain limit and are also related to the profession of the borrower. This time around we have made the offers more inclusive and the offers are available to all segments of borrowers regardless of the loan amount and the borrower’s profession, ”said Mr. CS Setty, Managing Director (Retail & Digital Banking), SBI.

“The 6.70% mortgage offer is also applicable to cases of balance transfer. We believe that zero processing fees and great interest rates during the holiday season will make homeownership more affordable, ” Setty added.

On Thursday September 16, shares of the State Bank of India gained more than 3%, reaching an intra-day high of Rs 458.65, so far, on BSE. The SBI opened on BSE at Rs 445.10 and its shares were last trading 3.26% at Rs 458.30 each.

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SBI cuts mortgage interest rate to 6.7% and waives processing fees


The country’s largest lender, State Bank of India, on Thursday launched a bunch of festive offers for potential home loan clients. The offers aim to make home loans more affordable during the holiday season. In a one-of-a-kind initiative, SBI offers home loans tied to credit score at just 6.70% regardless of the loan amount.

Previously, a borrower with a loan greater than Rs 75 lakh had to pay an interest rate of 7.15%. With the introduction of festive offers, a borrower can now qualify for a home loan for any amount at a rate as low as 6.70%. The offer results in a saving of 45 basis points, which translates into a huge interest savings of over Rs 8 lakh, for a loan of Rs 75 lakh with a term of 30 years.

In addition, the interest rate applicable to a self-employed borrower was 15 basis points higher than the interest rate applicable to a salaried borrower. SBI has removed this distinction between a salaried borrower and a non-salaried borrower. From now on, no interest premium linked to occupancy is charged to potential borrowers of mortgage loans. This would lead to a new interest saving of 15 basis points for non-salaried borrowers.

To accommodate the festivities and boost market sentiment, the lender has completely waived the processing fee and is offering an attractive interest reduction based on the borrower’s credit rating.

CS Setty, Managing Director (Retail & Digital Banking), SBI said: “We are delighted to launch the festive offer for our potential mortgage customers. Generally, concessional interest rates are applicable for a loan up to a certain limit and are also related to the profession of the borrower. This time, we have made the offers more inclusive and the offers are accessible to all segments of borrowers regardless of the amount of the loan and the profession of the borrower.

“The 6.70% mortgage offer is also applicable to cases of balance transfer. We believe zero processing fees and great interest rates during the holiday season will make homeownership more affordable. Our country has shown tremendous resilience during the pandemic. Being the banker of every Indian, we are committed to contributing to the revival of the economy by providing housing for all ”.

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Universal credit applicants can apply for emergency loan online before benefit reduction of £ 20


More than 5.9 million people are currently claiming Universal Credit, a benefit designed to help those who are unemployed or on low incomes meet the costs of daily living.

September will see the end of the leave scheme, final grant requests from the Self-Employed Income Support scheme, and the end of the £ 20 weekly universal credit increase – which in itself creates an air of uncertainty for those who depend on state support.

With the possibility that more households will be affected by the economic impact of the health crisis, whether through layoffs, unemployment, illness or a reduction in wages, many will now be able to apply for financial assistance through the Department of Work and Pensions (DWP).

However, thousands of potential applicants may not know that when you apply for Universal Credit, the first installment can take up to five weeks and for those in immediate need of financial assistance, it is now possible to request a deposit.

However, it is important to know that this advance must be repaid as a deduction from their regular Universal Credit payment, however applicants now have 24 months to repay the loan, instead of the previous 12.

To request a Universal Credit advance you can:

  • talk to your Jobcentre Plus work coach

  • apply through your online account

  • call him Universal credit helpline on 0800 328 5644

If a Universal Credit the applicant does not report a change in their situation, they could have their payment interrupted or reduced – this is called a sanction.

And if a person receives a sanction, they can apply for hardship if they cannot pay for rent, heating, food or hygiene needs.

The GOV.UK website says, “If you don’t have enough to live on while you wait for your first payment, you can ask for a down payment after making a claim.

“You can also apply for hardship if you cannot afford rent, heat, food or hygiene needs because you have been sanctioned.

“You must repay it through your Universal credit payments – they will be lower until you pay them back. ”

People experiencing financial difficulties and having difficulty paying their rent can also apply for a Alternative Payment Arrangement (APA).

This could see the rent being paid directly to an owner, the benefit paid more than once a month, or the payment shared between the person and their partner.

There is also a Budget advance which can help with some costs. These include:

The GOV.UK website explains that people who get a Budget advance will reimburse it through their Universal Credit Payments.

It means their Universal credit payments will be lower until they pay it back, and if they stop getting universal credit, they’ll have to repay the money some other way.

How much can I borrow?

The smallest amount you can borrow is £ 100. You can get up to:

What an eligible person gets depends on their savings of over £ 1,000 and their ability to repay the loan.


To get a Budget advance, all of the following conditions must apply:

  • You have been receiving universal credit, employment and support allowance (ESA), income assistance, jobseeker’s allowance or state pension credit for six months or more, unless you need the money to help you start a new job or stay at work
  • You have earned less than £ 2,600 (£ 3,600 together for couples) in the past six months

  • You have repaid all previous budget advance loans

To learn more about advances or prepayments and loan budgeting, visit GOV.UK website here.

Support is also available through hardship funds in all 32 Scottish councils – find yours here.

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