A Universal Credit Budgeting Advance is a repayable loan to help with an important one-off cost, such as replacing essential furniture or starting work. You usually need to have received Universal Credit for six months, although exceptions can apply if the money is to help you start or keep a job. Your earnings, savings and any existing advances can affect eligibility and the amount available. Repayments are normally taken from future Universal Credit payments, so check the current rules and apply through your Universal Credit account or gov.uk.