What is an integration loan for refugees? How much you could get and who is eligible | Personal finance | Finance

If you have just arrived in the UK after fleeing Ukraine, then welcome to Britain! Ukrainians in the UK will help you manage some of the big changes in your life, including your finances.

One area you can get help with is something called a refugee integration loan, which can help pay for things like rent, household items and education.

To qualify, you must be over 18 and also one of the following:

  • a refugee
  • you benefit from humanitarian protection
  • a dependent of a refugee or a person granted humanitarian protection

If you are applying alone you can borrow between £100 and £500, or if you are applying with your partner you can borrow between £100 and £780.

You may be asked to prove how you spent the loan, so it’s important that you don’t spend it on paying off debts or on travel costs for family members who come to the UK to join you.

The loan will be paid directly into your bank or building society account and is interest free, meaning you only pay back what you borrow. But you have to make regular payments.

You won’t have to start repaying the loan until 6 weeks after receiving the money.

The amount of your refunds and how you pay will depend on your situation. This will be explained to you once your application has been accepted and a loan agreement has been concluded.

For example, if you receive Universal Credit, you will repay up to £25 per month. If you work full time you will have to repay £50 per month.

You can apply online to get paid. You will need your:

  • biometric residence permit (PRB)
  • Registered office reference number
  • bank account or building society details
  • national insurance number

If you do not have a national insurance number, you must apply for one at your local Jobcentre Plus.

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