What to Do If You Need Urgent Help Paying Bills

Last updated: 3 August 2025

Step 1: Prioritise Your Most Important Bills

Start by identifying which bills are most urgent. In the UK, priority bills are those with the most serious consequences if unpaid — such as rent or mortgage, council tax, gas/electricity, and court fines. Failing to pay these can lead to eviction, disconnection, or legal action.

Step 2: Contact Your Providers or Landlord

If you know you can’t pay a bill, contact the provider or landlord straight away. Many companies have hardship teams who can offer payment plans, short-term pauses, or reduced bills. Don’t wait until you’ve missed payments — getting in touch early shows you’re being proactive.

Step 3: Check If You’re Eligible for Benefits or Grants

You may be entitled to benefits or financial help, even if you're working. Use a benefits calculator to check eligibility for things like Universal Credit, Housing Benefit, or Council Tax Support. You may also qualify for emergency grants or local authority funds.

Step 4: Apply for Emergency or Hardship Support

If you're in immediate crisis, look into the following forms of urgent financial help:

Short-Term Benefit Advance – for those waiting on a new benefit claim
Foodbanks – many offer fuel vouchers and other essentials
Local Welfare Assistance – support provided by your local council

Step 5: Speak to a Free Debt Advice Service

Organisations like StepChange, National Debtline, and Citizens Advice can help you create a budget, deal with creditors, and explore options like breathing space, debt management plans, or writing off debts through insolvency solutions. Their support is free and confidential.

Step 6: Look for Charitable Grants

Some charities and trusts offer grants to help with household bills, especially if you're dealing with illness, disability, job loss, or a specific trade. Examples include:

Turn2Us Grants Search
British Gas Energy Trust (not just for British Gas customers)
Budgeting Loans (for those on certain benefits)

What to Avoid

Taking out payday loans without advice — they often worsen the situation
Ignoring letters or emails from creditors — this could escalate the issue
Borrowing from friends or family without a clear repayment plan

Useful Links

Frequently Asked Questions

You may be able to get housing support, council tax relief, emergency grants, or help from a local welfare scheme. Contact your landlord or council immediately.

Yes. Foodbanks often also provide help with fuel vouchers, toiletries, and referrals to other services. Contact Citizens Advice or your GP for a referral.

Some benefits or grants are processed within a few days. If you’re in crisis, you may be able to access same-day support through your council or local charity.