Apply for loans in certain acute emergency situations
If you receive a citizen's allowance, a lump-sum amount of money is taken into account for your standard needs. In addition to regular needs, this lump-sum amount also includes needs that arise irregularly or at long intervals. The amount of the standard need depends on the respective standard need level assigned to you, which depends on your age and your family situation.
The standard need covers the following needs in particular:
- personal hygiene,
- household goods,
- household energy, excluding heating and hot water production, and
- personal needs of daily life (including participation in social and cultural life in the community).
If, due to special circumstances, you need more money for your daily needs at short notice than the standard need for your individual case provides for, and you can neither pay for these costs yourself nor postpone them, the Jobcenter will grant you an interest-free loan for the unavoidable need upon application.
An unavoidable need exists
- it cannot be postponed and therefore a loan is unavoidable to avoid an acute emergency situation and
- it cannot be expected that you will be able to compensate for this need with the next benefits to cover the standard need.
- necessary repairs,
- necessary purchases (for example, new winter clothing for growing children),
- the threat of disconnection of electricity supply (household electricity) because of so-called "new debts, unless you can avert the disconnection in another way, for example by agreeing to pay in installments with the utility company,
- theft or loss, and
- Apartment or house fire.
You must apply for the loan separately, and you must generally prove the unavoidable need. If you have assets, you must first use them to finance the expenses. Depending on the circumstances, the Jobcenter may also assign its field staff to determine the need.
The Jobcenter may also decide that you receive benefits in kind instead of money. The amount of the loan then corresponds exactly to the value of the required need.
You must use the loan for the intended purpose. The Jobcenter may demand proof of this (for example, proof of purchase).
You must repay the loan. If you continue to receive benefits under SGB II in the future, the loan will be offset against your benefit entitlement on a monthly basis:
- In the case of one loan: in the amount of 10 percent of your standard need (the relevant standard need level).
- In the case of several loans: a total of no more than 30 percent of your standard need (of the relevant standard need level).
How the loan will be offset in your specific case will be explained to you in writing. Repayment begins in the month following the disbursement of the loan.
In order to get the loan, you must apply for it at your job center. This is also possible online (via the digital Bürgergeld application).
- If possible, get in touch with your contact person at the job center.
- Submit an application. You can also submit an informal application. You can obtain a form from your local job center, if one is offered.
- Submit your application with all supporting documents to your Jobcenter.
- The job center will check your application and your documents.
- You will receive a decision from the Jobcenter about the decision of your application (approved or rejected).
- As a rule, the loan amount is transferred to your account. This is usually different, for example, in the case of electricity debts with the threat of an electricity cut-off. The loan amount is then generally transferred directly to your utility company.
In order for you to receive the loan from the Jobcenter, you must prove that:
- You have an acute, one-time need which, by its nature, is part of your everyday needs (standard need),
- you cannot compensate for this need with the benefit provided for this purpose (citizen's allowance) and you do not have any assets,
- you have no other possibility to cover the need (e.g. via second-hand goods store or clothing store) and,
- the need is unavoidable. This applies,
- if you cannot postpone it and
- you cannot compensate the need with the next benefits to cover the standard need.
Which documents are required?
- Evidence that there is an unavoidable need and the amount of the need, for example
- Notice of theft,
- cost estimate or order for repairs and/or
- current bank statements.
What are the fees?
You do not have to pay any costs if you have an account. If you do not have an account, you will receive a payment order to clear for a cash payment (ZzV-Bar). This is a check. However, this will incur a cost that will be deducted directly from the benefit to which you are entitled. Since the amount of the costs for the payment order can vary, please contact your responsible job center for more information. You can have the check paid out in cash. The payment is made exclusively through Postbank branches. The ZzV cash is a means of payment of Postbank AG, the use of which has been agreed separately between the Federal Employment Agency and Postbank.
What deadlines do I have to pay attention to?
There is no deadline.
Applications / forms
Forms available: Depending on job center
Written form required: No
Informal application possible: Yes
Personal appearance required: No
Online services available: Yes
- Urgent proceedings before the social court
- Action before the social court
What else should I know?
The BA's technical directives only bind the job centers, which are run in the form of a joint institution (gE) of the Federal Employment Agency and the local authority (municipality or district). Supervision is the responsibility of the Federal Ministry of Labor and Social Affairs (BMAS).
In addition, there are job centers that are run as approved municipal providers (zkT) (so-called option municipalities). In these cases, supervision is the responsibility of the respective federal states.
Technically approved by
Federal Ministry of Labor and Social Affairs (BMAS)
Professionally released on
The text was automatically translated based on the German content.