Using a Budgeting loan to spread the cost of larger items when you are on benefits, is a sensible option for most as it allows those on lower incomes to buys goods that they need without having to use all of their benefits at once allowing them to budget effectively.

There is no stigma attached to needig a small loan, and many money advice services suggestthat you take up the offer of a bl if you are able, as poopsed to using expensive pay-day landers and possibly spiralling into further debt.

Government figures show that more people than ever have needed to seek financial assistance in the form a DWP loan in the last 12 months.