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Hardship Fund - Emergency Loan

On this webpage you will find information regarding emergency loans offered to students who are facing financial difficulty.




What is an emergency loan?

An emergency loan may provide help to students who are experiencing short-term financial difficulty and are having difficulty in meeting their essential living costs. These students can apply for an emergency loan of up to £250.

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Who can apply for an emergency loan?

Any student who is experiencing short-term financial difficulty, resulting in a difficulty in meeting their essential living costs (e.g., food) may be eligible for an emergency loan. Certain enrolment and course exclusions apply, such as students who are permanently withdrawn or students who are undertaking a degree apprenticeship. If you would like clarification whether your enrolment status or course excludes you from applying, please contact the Student Funding team at studentfunding at warwick dot ac dot uk

Please note, if you have any previous emergency loans that are outstanding, or you have already received 3 emergency loans within the last 12 months, this may impact your eligibility for a further emergency loan.

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How do I apply for an emergency loan?

To apply for an emergency loan, you will first need to email us at studentfunding at warwick dot ac dot uk or telephone the Student Funding office on 024 7615 0096.

As a minimum, you will need to provide the following details in your email or on the telephone:

  • Your full name and your Warwick Student ID number. 
  • Your reason for requiring an emergency loan. 
  • Your current bank balance (including any overdraft facility and whether or not this is interest bearing). 

It is expected that students will access any approved overdraft facility before applying for an emergency loan. 

If you meet the eligibility criteria, you will be emailed with further information on the types of emergency loan available to you. You will need to reply and indicate which type of loan you would like to apply for. More information on the types of emergency loan available, can be found below.

For an overview of the process of applying for an emergency loan, please see the flowchart below:

Emergency Loan Flowchart

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How do I apply for an emergency loan via bank transfer?

You will need to complete an online application. This will be sent to you if you meet our eligibility criteria and indicate that this is your preferred method of payment.  

  • You will be required to upload a copy of your Warwick ID card (which must be in date). 
  • You will also be required to upload proof of your current bank account balance. This can be a photo of a mini statement from a cashpoint or a screenshot of your online banking.  
    • If your evidence does not demonstrate both your name and account number, please also submit a previous bank statement for this account so that this can be cross referenced for verification.  

    Please note, it can take up to 10 working days for your emergency loan to reach your account, from the date that you submit your bank details on eVision (instructions are sent to you to do this once your application has been processed).  

    Payment can only be made into UK bank accounts or some digital only bank accounts.

    Please note, we cannot process emergency loan applications on non-working days (e.g., weekends, bank holidays, Christmas shutdown etc).

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    How do I apply for a cash emergency loan?

    If you wish to take out a cash emergency loan, you will need to inform us via email once we have confirmed your eligibility.

    We will need to book an appointment with you to attend Senate House at the University.

    • You will need to bring your Warwick Student ID card (which must be in date) to your appointment. 
    • You will also need to bring proof of your current bank account balance to your appointment. 
      • You can log in to your mobile banking during the appointment to demonstrate your balance. 
      • Alternatively, you can bring a mini statement from a cashpoint to your appointment. If you choose to do this, please also bring a previous bank statement for this account, so that this can be cross referenced for verification. 
    • During the appointment you will be asked to sign the relevant sections of a paper cash emergency loan form. 

      Please note, we cannot process emergency loan applications on non-working days (e.g., weekends, bank holidays, Christmas shutdown etc).

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      Will I be charged interest on an emergency loan?

      Emergency loans do not accrue interest and are shown as a debt to the University on your Warwick account.

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      How do I repay an emergency loan?

      Once your emergency loan has been paid, you will be sent an email which outlines your repayment date. Emergency loans can only be repaid via Flywire bank transfer.

      For further information, please see the Methods of Payment webpage.

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      What should I do if I cannot repay an emergency loan before the agreed repayment date?

      If you take out an emergency loan and are unable to repay this by the agreed date, please contact the Student Funding Office (studentfunding at warwick dot ac dot uk) for advice before the repayment date.

      If you do not contact us and you do not repay by the agreed date, your debt will be referred to the University’s credit control team for further action as appropriate. 

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      What other support is available?

      If you are in financial difficulty, please see the below ways in which our team, and the wider University, may be able to assist you further: 

      Should you have any queries about the emergency loan process or your eligibility, please contact the Student Funding team on 024 7615 0096 or email studentfunding at warwick dot ac dot uk 

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