Benefit Loans

Search and apply for benefit loans in the UK easily using our 3-step process. Here’s how you can do it:

Representative APR: 49.9% | Representative Example: Loan Amount: £1,000 over 12 months at £107.53 per month. Total Repayment: £1,290.36 | Interest: £290.36. Interest rate: 49.9% p.a. Fixed*.

Find Out More About Benefit Loans Today

  • Step 1 - Application

    Fill out our quick application form to get access to our lender offers of benefit loans in the UK. It only takes a few minutes to complete and is simple to do.

  • Step Two - Decision

    Once you have reviewed your lender offers of loans for people on benefits, just choose the one you want to continue with; you’ll get a quick decision on the loan amount you want.

  • Step Three - Cash

    Review the terms offered and sign your digital loan agreement for benefit loans. You’ll receive the cash the same day, sometimes even as quick as 10 minutes!

Find Loans for People on Benefits in an Instant with LoanBird

If you receive benefits as part of your monthly income, or even if it’s a benefit only income, you may have found the choice of lenders online is slim. Usually, this may contribute to having a low credit score also, leaving many lender options out of reach. Here at LoanBird, we know it can be frustrating finding lenders to help when you have the affordability to make repayments. That’s why by using our FREE platform, you can be connected with benefit loans in minutes. Following our 3-step process will match you to our panel of lenders who may be able to help you get the funds you need, all by filling in one application form.

It takes only a few minutes to see your benefit loans today and we only need a few bits of information about you and the loan amount you want. Whether you need the funds to pay an emergency bill or to make a higher value purchase that you can’t afford to pay in one go, our lenders will be able to assess your application quickly & see what they can do. All you have to do is click apply now, fill in our short application, and we’ll do the rest.

LoanBird saying it's smart search can find benefit loans

What are the Benefits of Using LoanBird to Find Benefit Loans Today?

Quick and easy online application

Find benefit loans up to £15,000

Apply for benefit loans online from anywhere

Instant decision benefit loans finder

Choose instant benefit loans, payday loans, personal loans and more

Find benefit loans with no credit check required

Over 30 FCA authorised lenders of instant benefit loans in the UK

Instant bad credit loans available

Cash in your account 10 minutes after approval

No brokerage fees – completely FREE to use!

Connect with Lenders of Benefit Loans in the UK the Easy Way

Finding loans for people on benefits is easy when using LoanBird, all thanks to our smart search platform that does the legwork for you. You could spend hours searching online for suitable lenders, or instead fill in our quick application form. It only takes a few minutes of your time to see all the benefit loans that you’re eligible for. No waiting around and no applying for unsuitable loans that will negatively impact your credit score. You’ll see a list of offers from our FCA approved panel of lenders in an instant, enabling you to make a better choice.

As FCA authorised credit brokers, we are in a position to help you find loans for people on benefits from trustworthy and reliable lenders. We will only connect you with lenders who follow responsible lending guidelines who won’t charge you any hidden fees or charges. By using LoanBird, you can easily review your benefit loans today with the peace of mind you will be treated fairly, with all the details of the loan being offered in one place. If you do change your mind, there is no obligation to continue an application with a lender either. Browse freely and make the best choice for you, then if you find what you’re looking for, choose the lender and get a decision in minutes.

Am I Eligible for Loans for People on Benefits?

To apply for benefit loans today, you’ll need to meet the following eligibility requirements. We’ve made our application process as simple as possible to help as many people who are looking for loans for people on benefits as we can:

At least 18 years of age

A resident in the UK

Hold a UK bank account with a valid debit card

Receive a regular income

As well as meeting the above criteria, all lenders will require you to provide supporting information, usually proof of identity, proof of address and your most recent bank statements. If you already have this information to hand, this will avoid any delay in your benefit loans application.

a girl in her kitchen looking through paperwork

Apply Now for Benefit Loans & Get the Funds the Same Day

Discover loans for people on benefits easily by using our smart search here at LoanBird. Click apply now to see your offers of benefit loans today. Have any further questions? We are here to help, so please contact the team here at LoanBird and we’ll strive to quickly help with your query. You may also find the answer you’re looking for in our FAQs. We look forward to helping you find a lender of benefit loans today in no time at all.


Benefit Loans FAQs

Do I Need a Good Credit Rating to Apply for Benefit Loans Today?

The great thing about using LoanBird is that there is no requirement to have your credit score at a certain level. Whether you have good or bad credit, we can help you find loans for people on benefits against your affordability. You won’t be declined by the lenders we connect you with just for having a benefits only income or a bad credit score. Our panel of lenders will assess your current income to determine what you can afford to pay, making a benefit loans offer that is personalised to you. We’ve been able to help many people in a similar financial position find the funding they need quickly.

Is a Guarantor Needed for Benefit Loans in the UK?

It is not a requirement to provide a guarantor as part of your application for benefit loans in the UK. You can apply as a sole applicant and find lenders who can help you based on your income alone. We do have lenders able to offer guarantor loans if this is a loan type you wish to apply for and you have a suitable guarantor. Loans for people on benefits are designed to help those who may have a poor credit rating and benefits only income, so the lenders we match you with will not expect you to provide a guarantor to support your application.

What Happens if I Miss a Repayment on Benefit Loans?

If you do miss a repayment, you will need to contact the lender directly as soon as possible. Ideally, you will be able to settle the arrears quickly to help avoid any potential late payment charges, but you will need to check your credit agreement for more information about this. Every lender is different so you may not be able to avoid a late charge, but it is always recommended to contact them ASAP if you have an issue with making a payment. If you feel you may struggle to maintain repayments due to a change in circumstances, contact the lender to discuss a resolution. It’s also recommended to seek independent financial advice which you can do so by contacting Citizens Advice or The Money Advice Service.


Related Info to Benefit Loans:

Short Term Loans

CCJ Loans

Poor Credit Loans

High Interest Loans