Loans For Unemployed People On Benefits

Choose your credit limit:

£ 500
  • £ 100
  • £ 200
  • £ 300
  • £ 400
  • £ 500
  • £ 600
  • £ 700
  • £ 800
  • £ 900
  • £ 1000
  • £ 1100
  • £ 1200
  • £ 1300
  • £ 1400
  • £ 1500
  • £ 1600
  • £ 1700
  • £ 1800
  • £ 1900
  • £ 2000
  • £ 2100
  • £ 2200
  • £ 2300
  • £ 2400
  • £ 2500
  • £ 3000
  • £ 3500
  • £ 4000
  • £ 4500
  • £ 5000

Representative 1192% APR (variable). Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 18 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed).

You might think that if you’re unemployed you’ve got no hope of getting a loan – we thought so too.

Big News: After working with lenders for several years we now know that’s not the case.

If you’re unemployed and on benefits you could borrow up to £5,000 and see the cash in your account the very same day!

Here’s what you can expect.

If You Have an Income You Can Apply

Trustworthy lenders will only issue a loan if they believe it will be repaid. That means you must have a stable income, but it doesn’t mean you have to be employed. Many people have secondary sources of income that aren’t from traditional employment.

The most common source is government benefits – be that for a disability, long term illness or disease, job seeking etc.

You might also be living off a state or private pension, insurance payouts or substantial savings and assets.

While no loan is guaranteed, the direct lenders in our network happily consider applications from unemployed people on benefits and it’s not uncommon for them to be approved.

Loan Terms Just For You

By using our easy online loan request form you can tap in to a network of 100 or more lenders willing to issue loans for unemployed people on benefits. Simply choose the amount you want and for how long, and we will attempt to match you with one of them.

This saves you from applying to each lender individually and the entire process can be completed from any internet connected device with a browser. Gone are the days of queuing to apply with a bank manager.

It doesn’t get any simpler than that!

What’s more, if matched you will know in an instant if you have been approved, along with all the details of the lender’s offer. They will try to make this as close to the amount and duration you requested, but it may change based on the details you provide.

The good news is that lenders can accommodate all financial situations, allowing you to borrow between £100 and £5,000, over the short term or up to 18 months.

All Credit Histories Welcome

Our lenders recognise that not everyone has the best financial history, especially if you are long-term unemployed. However that doesn’t mean you should be barred from borrowing if you currently have a stable income from benefits or another source.

That’s why our lenders will fairly assess all applications, taking in to account your full financial situation before making a decision.

We cannot guarantee there will be no credit check, but you will not be automatically rejected because you have bad credit.

Note: UKLoanCity is not a lender and does not carry out credit checks. We offer a convenient web service that allows borrowers on benefits to reach multiple lenders with one online form.

Get Money Quick

There’s also no waiting around. As long as you meet the basic requirements (over 18, UK resident, with an income and bank account), we will attempt to match you with a lender and then their decision will be instant, onscreen.

The lender will then begin the deposit process and you could see the cash in your account as soon as the next business day.

This takes the uncertainty stress out of an emergency financial situation.

It’s Free, So Submit Your Details Now!

If you’re unemployed, on benefits, and need a loan – submit your details today!

There are no fees for using our loan matching service and we never share your details outside of our network of legal lenders.

WARNING: Late repayment can cause you serious money problems. For help, go to is a broker, not a lender, and does not make credit decisions.