Universal Credit loan: Can I get a loan on Universal Credit? | Personal Finance | Finance
If you’ve moved from Universal Credit to Pension Credit, any time spent claiming the benefit will count towards the six months.
You cannot get a Budgeting Loan if you are currently claiming Universal Credit and you must apply for a Budgeting Advance instead.
If you’ve been involved in industrial action, such as a strike, or if you owe more than £1,500 in total for Crisis Loans and Budgeting Loans, you won’t be eligible.
However, if you’re on Universal Credit, you can apply for a Budgeting Advance instead.