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7/16/2020 · A government-backed scheme to provide low-cost loans from Credit Unions was launched in 2018 The loans are called It Makes Sense loans – and they provide small, low-interest loans for people on Social Welfare or State Pensions. Avoid Moneylenders if Possible. The banks don’t normally lend money to people on social welfare or the state ;· Payday lenders are more likely to accept welfare as a source of income than banks, credit unions or traditional lenders, because payday loans are supposed to be repaid the next time you get paid. Whether your next pay comes from a job or government welfare is inconsequential to some lenders – they just want to see that you’re receiving 6/11/2019 · Rules. It Makes Sense loans are available to people aged over 18 who are: Getting a social welfare payment and. Agree to repay the loan through the Household Budget Scheme or by standing order or direct debit if your social welfare