Universal Credit UK: How Britons may be able to be paid on the same day they apply

Universal Credit is a living support payment which offers a helping hand to those who need additional financial assistance. The payment has proved a lifeline for millions of people who have been adversely affected by the lockdown measures implemented across the UK, and the Department for Work and Pensions (DWP) has invested significant time into making sure people receive their payments. The amount of benefit a person or family can receive from the DWP is dependent on their circumstances, with age and relationship status a primary factor to consider.


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Those who are single and under the age of 25 receive a standard allowance of £342.72, with single people over 25 receiving £409.89.

Couples under 25 are set to receive £488.59 to split between them.

Whereas couples over the age of 25 could get £594.04.

The standard waiting time to receive the first instalment of Universal Credit is currently five weeks.

This can often be difficult for those facing particularly tricky financial circumstances.

However, there is one way Britons may even be able to receive their Universal Credit payment on the same day as they apply. 

Universal Credit operates an advance system, which allows people in financial straits to make an application to receive the payment earlier.

This advance can help to cover costs such as bills, while a person waits for their first Universal Credit payment.

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At present, those who wish to claim an advance must take certain steps, which include:

  • Explaining why the advance is needed
  • Verifying identity either online or on the phone
  • Providing bank account details for the advance 

Usually, claimants can find out on the same day whether they will receive the advance, and payment could be just as quick.

The government website states claimants should expect to receive the advance within three working days of making the claim, but Citizens Advice has highlighted where the payment could be received sooner.


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Claimants can request to receive the money on the same day from the DWP if they have no money left to live on. 

However, it is important to note that the advance is not just ‘free money’.

All Universal Credit advances must be paid back to the DWP over a certain period of time.

Claimants start paying back their advance out of their first payment, but can choose how many months they pay this back over – as long as it does not exceed 12 months.

Britons do not have to pay interest on this advance, though, and the total amount they pay back is the same.

Universal Credit is available to a wide range of people, even though it is based on personal circumstances.

To be eligible, claimants must be over the age of 18 but under State Pension age.

They must also be resident in the UK and have £16,000 or less in savings.

Universal Credit is paid monthly, and claimants can apply to receive the benefit online through the government’s portal. 

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