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<p>If you have received humanitarian protection or refugee status, you will be able to apply for an integration loan. This is a loan scheme set up by the Home Office to help with the early stages of integration.</p>

<p>Loans can be spent on items and activities that facilitate integration, such as:</p>

<ul>
<li>• Vocational training where provision is not available through Jobcentre Plus. This should be discussed with your Jobcentre Work Coach</li>
<li>• A deposit for accommodation</li>
<li>• Buying essential items for the home</li>
<li>• Purchasing tools for a trade</li>
</ul>

<p>If you do not have a bank account, you will only be able to apply for the maximum of £450. It is therefore important to open a bank account if you are applying for more.</p>

<p>The loan repayments need to be collected in regular instalments by the Department for Work and Pensions (DWP). This will either be directly from your benefits or via a direct debit from your bank account. In most cases, repayment of the loan will begin six weeks after the funds are released to the individual. You will need to sign a loan agreement form prior to the loan being paid.</p>

<p>You will not be able to apply for an integration loan without a National Insurance Number. It will be regarded as incomplete and rejected if you apply without one and will be returned to you. More information can be found <a href="https://www.gov.uk/ refugee-integration-loan" target="_blank">here</a>.</p>

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