How to Apply for an Emergency Loan With DSS

The UK's Department of Social Security, or Department of Work and Pensions, gives loans to those in dire need. Emergency crisis, or disaster loans, are interest free, and at the discretion of the department. You do not need to be receiving any form of benefits, such as income support, jobseeker's allowance or housing benefit to apply for a loan. Emergency loans do not cover health problems that require medical attention, as such problems should be met by the National Health Service. Neither do they cover housing or education costs. Remember that emergency loans are intended for situations in which you or your family risk damage to health or safety. Situations a loan might cover are a natural disaster, such as a flood or earthquake, or a burglary or robbery.

• 1

  Contact your local Jobcentre Plus Office and ask for an application. If you have problems with mobility or cannot leave for house for some other reason, it may be possible to apply over the telephone.

• 2

  Provide information and, in some cases, proof of your circumstances and the reasons that you need an emergency loan. You will be asked to give details of any savings, earnings, bank accounts or other resources that you possess.

• 3

  Wait to receive a letter telling you of the Department's decision. If your application has been successful, the letter will tell you how much you have been awarded and the rate at which it must be repaid -- typically at a rate of either 12, 10 or 5 percent of your weekly income. You will be required to sign the letter. If your application is unsuccessful, you can request a review.

• 4

  Return your letter to the department and you will receive a check for your loan, which can be cashed at a post office or paid into a bank account. Checks can be made out in another name, if neccessary.