Apply for a social assistance loan within the framework of subsistence assistance.

Are you in acute financial distress? Find out here how to apply for a loan as part of subsistence assistance.

Detailed description

If you receive assistance for living expenses and are in acute financial distress, you may be able to apply for a loan in certain cases.



You can apply for a loan, for example, if your electricity, gas or water are cut off due to unpaid bills, if you or your family cannot provide food, or if you lack essential household items.



If you are receiving a pension for the first time and the money is only paid out at the end of the month, you can receive a bridging loan.

 

Information

Prerequisites

  • They live and reside in Germany.
  • They are in need of help and
    • temporarily fully incapacitated for work or
    • receive an old-age pension, but have not yet reached the age limit for the standard old-age pension.

You are in need of assistance if you cannot fully cover your living expenses from your own means and efforts.


  • You will not receive:
    • Basic income support for job seekers,
    • Basic income support for the elderly and those with reduced earning capacity or
    • Basic services for asylum seekers.

Documents required

  • valid identity card or passport, if applicable, proof of residence
  • Proof of a temporary total incapacity for work in the form of a pension statement or medical certificates.
  • Proof of income, for example, for pension, sick pay, child benefit, maintenance payments or maintenance advances.
  • Proof of assets, for example savings balances
  • Proof of expenses and rental costs, especially advance payments and statements for utilities and heating costs.

Please note

In a particularly difficult situation, you can receive a loan if you are not currently receiving benefits under the German Social Code, Book XII (SGB XII).



If you are entitled to benefits under the German Social Code Book II (citizen's allowance), please contact the job center.

Deadlines



no

Procedure

  • You apply for a loan with the required documents at the responsible authority.
  • The responsible authority will review your application and documents.
  • If necessary, she will request further documents or information from you.
  • The responsible authority will check the requirements and decide on your application.
  • You will receive a notification.

Processing time



If all required documents and information are complete, you will receive the notification immediately.

Fees



no

Legal remedies



Contradiction

Legal basis

Section 37 of the Twelfth Book of the Social Code (SGB XII)


https://www.gesetze-im-internet.de/sgb_12/__37.html




Section 37a of the Twelfth Book of the Social Code (SGB XII)


https://www.gesetze-im-internet.de/sgb_12/__37a.html




Section 38 of the Twelfth Book of the Social Code (SGB XII)


https://www.gesetze-im-internet.de/sgb_12/__38.html

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Keywords: Loan Granting THS-GS

Last updated: 22.01.2026