If you need financial help with an emergency or disaster you may be able to get a Crisis Loan. You can also receive a Crisis Loan for short term needs. You will have to pay a Crisis Loan back, but you will not have to pay interest. A Crisis Loan is not viewed as income for any other Benefits.
You can apply for a Crisis Loan if you:
- are aged 16 or over
- you don't have enough money to meet your (or your family's) immediate short term needs in an emergency or as the result of a disaster
- think there will be serious damage or risk to your (or your family's) health or safety without the loan
What you may receive
There is no standard amount for a Crisis Loan as the amount you may be able to borrow will depend on:
- Your individual circumstances
- Any savings you have
- Whether you have any unpaid loans from the Social Fund
How Crisis Loans are Paid
The loan is paid into a bank, building society or other account provider's account such as a Post Office Account
How do you repay it?
If you qualify for a Crisis Loan you'll need to agree how you are going to pay it back before you receive it.
An adviser at your Social Security or Jobs & Benefits office will talk to you and agree a repayment plan with you that you can afford. If you're on benefit, the loan is normally repaid out of your normal benefit payments.
How to apply
- post it to the office whose details are shown on the form, or
- hand it in at your nearest Social Security/Jobs & Benefits office
You can also use the Crisis Loan Claim Line. A Social Fund officer will process your claim over the telephone, however, on occassion you may be asked to complete the application by attending a face to face interview.
For more information on Crisis Loans you can visit NI Direct.