Can You Get Universal Credit Advance Payment Same Day?

Waiting for your first Universal Credit payment can be tough, especially if you’re struggling to cover essential costs. While most advances arrive within three working days, a same-day payment may be possible in genuine emergencies, such as needing money for food or rent.

This article explains how same-day Universal Credit advance payments work, including who’s eligible, how to apply, and what to do if you’re denied or delayed.

If you’re facing urgent financial hardship, this guide will help you understand your options and how to access support quickly when you need it most.

What Does it Mean Universal Credit Advance Payment Same Day?

A Universal Credit advance payment is a loan that helps new claimants receive money before their first scheduled payment. The “same day” aspect refers to receiving this advance on the same day you apply, an exception rather than the norm.

Normally, the payment takes up to three working days. However, when someone is in urgent financial hardship with no other means of support, they may qualify for a same-day transfer.

This rapid payment is processed through faster payment systems rather than standard BACS transfers. It’s designed for claimants who need immediate assistance to cover essentials like food, housing, or utilities.

The Department for Work and Pensions (DWP) will assess your situation and determine the urgency before releasing funds. Remember, this is not a grant, it is a loan that will be recovered from future Universal Credit payments.

Is It Possible to Get a Same Day Universal Credit Advance?

Yes, it is possible to get a Universal Credit advance on the same day you apply, but only in exceptional and urgent circumstances. The standard timeframe for receiving an advance is usually within three working days.

However, if your situation qualifies as a genuine emergency, such as being unable to afford food or shelter, your case may be fast-tracked.

The DWP reviews each request individually, and their decision depends on how severe and urgent your financial need is. If approved, the payment can be transferred to your account the same day using faster electronic systems.

But it’s important to understand that this option is not automatic and is generally reserved for cases that clearly demonstrate a critical need.

What Qualifies You for Universal Credit Advance Payment Same Day?

Getting a Universal Credit advance on the same day is possible, but only under urgent and exceptional circumstances.

The Department for Work and Pensions (DWP) considers these requests on a case-by-case basis. If you’re facing immediate financial hardship, you may qualify for a fast-tracked payment.

Who Is Eligible for an Emergency Advance?

Eligibility for a same-day Universal Credit advance is assessed on a case-by-case basis. You may be considered eligible if:

• You are a new Universal Credit claimant waiting for your first payment
• You have no money to cover essential living costs
• You are at immediate risk of eviction or homelessness
• You are unable to buy food or basic household items
• You cannot meet medical or childcare expenses

These emergencies must be explained clearly when applying. In such cases, the DWP can process your request quickly and may transfer the funds the same day.

What Circumstances Justify Same Day Access?

Certain conditions are considered valid for requesting urgent financial support through a same-day advance:

• Zero balance in your bank account
• Threat of disconnection from utility providers
• Immediate need to purchase medication
• Being responsible for dependent children with no access to essentials
• Domestic emergencies such as fire, flood, or forced relocation

The more clearly and urgently you demonstrate your need, the higher the chances of receiving the payment on the same day.

How Fast Can Universal Credit Advance Be Paid Out on the Same Day?

In urgent cases, Universal Credit advances can be paid on the same day, often within hours of approval. The key to receiving such fast payment lies in the mode of transfer.

While standard payments use BACS, which can take up to three days, same-day payments are made using a faster payment system.

The approval process itself also plays a role. Once the DWP deems your case as an emergency, they can process your request and issue payment almost immediately.

However, not all Jobcentres or DWP representatives are equipped to handle expedited payments instantly. That’s why timing and clarity during the application are crucial to speed up processing.

What Affects the Speed of the Advance Payment?

Several factors determine how quickly your Universal Credit advance is processed and paid.

• Application Method: Applying through the online journal may take longer than calling the helpline directly.
• Time of Day: Requests submitted earlier in the day are more likely to be processed the same day.
• DWP Caseworker Availability: The response time can vary depending on staffing and workload.
• Supporting Evidence: Submitting proof of your financial hardship (e.g., empty bank account) can speed up decision-making.
• Clarity of Request: Clearly stating that you’re in an emergency and need a same-day payment improves your chances.

These elements combined influence whether you receive a standard or same-day advance.

Table: Speed Factors for Universal Credit Advance

Factor	Influence on Payment Speed
Time of Application	Earlier is better for same-day
Method (Phone vs. Online)	Phone requests are processed faster
Emergency Level	Higher urgency = faster approval
Supporting Evidence	Helps verify emergencies quickly
Weekday vs Weekend	Weekdays only, delays on weekends

Are Weekends and Bank Holidays Included?

Same-day Universal Credit advances are processed only on working days. If you submit your request on a weekend or bank holiday, it will not be assessed until the next business day.

The DWP and Jobcentre Plus do not process payments outside standard working hours, even in emergencies.

Therefore, if you anticipate financial hardship over a weekend, it’s best to submit your request as early as possible during the week. Planning ahead can prevent delays and ensure you receive help when you need it most.

How to Apply for Same Day Universal Credit Advance Payment Online or by Phone?

If you urgently need financial help, applying for a same-day Universal Credit advance can be done either online or by phone.

It’s important to explain your situation clearly and provide accurate details to avoid delays. Here’s how you can apply using both methods:

Applying Online through Your Universal Credit Journal

• Log in to your Universal Credit account.
• Leave a message in your journal explaining your urgent financial need.
• Clearly state you are requesting a same-day emergency advance.
• Include reasons such as no money for food, rent, or essentials.

Applying by Phone

• Call the Universal Credit helpline to speak directly with a DWP adviser.
• This method may speed up the process for emergency cases.
• Be prepared to:
  • Explain your current financial hardship.
  • Provide any available evidence (e.g. eviction notice, empty bank balance).
  • Confirm your bank account and contact details.

Providing clear, honest information helps the DWP assess your case quickly and increases your chances of receiving same-day support.

What Steps Should You Take If Your Same Day Advance Is Delayed?

If your same-day Universal Credit advance is delayed, it’s important to respond quickly to avoid further hardship. Immediate action can help speed up the process and ensure your request gets the attention it needs.

What to do if your advance is delayed:

• Contact your Work Coach directly: Reach out for a status update and re-explain the urgency of your financial situation.
• Update your Universal Credit journal: Leave a new message clearly restating your need for a same-day advance and any changes in circumstances.
• Call the Universal Credit helpline: Speaking to an adviser can often move things along quicker than waiting for online replies.
• Double-check your bank details: Make sure your payment information is up to date and correct to avoid failed transactions.

Following these steps improves your chances of receiving the support without unnecessary delays.

Common Causes of Delay

• Application submitted too late in the day
• Incomplete financial information provided
• Weekends or public holidays causing processing gaps
• DWP staff shortages or technical issues

Can You Request a Second Universal Credit Advance on the Same Day?

You can request a second Universal Credit advance, but receiving it on the same day is rare and subject to strict conditions.

To be considered, you must show that your financial circumstances have changed significantly since the first advance or that the initial amount was not enough to meet your essential living costs.

The Department for Work and Pensions (DWP) reviews each request individually. If your first advance hasn’t been fully repaid, they’ll consider your repayment history and remaining entitlement before approving another. A second advance increases your overall debt, so approval isn’t guaranteed.

It’s best to contact your work coach or call the Universal Credit helpline directly. You may be asked for documentation and must clearly justify your urgent need. Although rare, a same-day second advance is possible with strong evidence and timely communication.

What’s the Fastest Way to Receive Universal Credit Advance Same Day?

If you’re in urgent need, there are steps you can take to speed up the process of getting your Universal Credit advance on the same day.

The DWP prioritises emergencies, so you must be clear and proactive in your approach. Timing and communication play key roles.

• Apply early in the day: Requests made before noon have a better chance of same-day approval.
• Call the helpline: Speaking to an adviser is often quicker than messaging online.
• Be clear and honest: Explain your urgent need and lack of funds directly.
• Share proof if possible: Upload bank statements or notices to support your case.
• Check your bank details: Make sure your account info is correct to avoid delays.

These steps help demonstrate urgency and can significantly increase your chance of receiving same-day support. DWP staff are more likely to prioritise claims when the situation is well-documented and clearly explained.

Are There Alternatives to Same Day Universal Credit Advance for Immediate Help?

If you’re unable to get a same-day Universal Credit advance, don’t panic, other forms of urgent support may still be available.

From government schemes to local charities and temporary help from friends or family, there are various options designed to assist those in immediate financial hardship.

Below is a comparison of key alternatives to consider:

Alternative Option	What It Offers	Availability/Timing
Budgeting Advance	Loan for larger one-off costs like travel or furniture	Usually within a few days
Hardship Payment	Help with essentials if benefits are reduced due to sanctions	Varies; depends on eligibility
Local Welfare Assistance	Emergency support like food vouchers or small grants from local councils	Depends on council scheme availability
Charity Grants & Food Banks	Immediate support such as food parcels, clothing, or household essentials	Often available same or next day
Friends and Family Support	Informal help to cover short-term emergency costs	Immediate, if available

These options may not offer instant solutions, but they can ease financial pressure during difficult times. Reaching out promptly and explaining your situation clearly will improve your chances of getting timely support.

Conclusion

Same-day Universal Credit advance payments are possible but only under specific emergency conditions. While the standard timeframe is three working days, those facing serious financial hardship may be eligible for faster help.

The key is clear communication with the DWP and timely application. Even if you don’t qualify for same-day support, there are alternative routes to ensure your basic needs are met.

Always explore all available resources to protect your wellbeing during financial uncertainty.

FAQs About Universal Credit Advance Payment Same Day

How much can you borrow with a Universal Credit advance?

You can borrow up to 100 percent of your estimated first payment, depending on your circumstances and ability to repay.

Can you request a Universal Credit advance more than once?

Yes, but it depends on your repayment progress and whether your situation has changed significantly.

Will getting an advance affect future payments?

Yes, future Universal Credit payments will be reduced until the advance is repaid in full.

What if you can’t repay your advance on time?

You can contact the DWP to discuss adjusting your repayment plan if you are facing hardship.

Can you get an advance outside of standard hours?

No, advances are only processed during normal working hours on weekdays.

Is there a difference between hardship payments and advances?

Yes, hardship payments are for those sanctioned, while advances are available when awaiting a first UC payment.

What can you do if your advance is rejected?

You can request a reconsideration or ask your work coach for guidance on alternative support.