You were not specific re: the type of SS benefits you are receiving. If you are receiving RETIREMENT benefits, based on either your or your spouse's income prior to retirement, then unfortunately, Social Security does not extend loans or advances on retirement benefits, even if the agency has approved the application and payment is pending.
If you are collecting Social Security Disability, then SSI rules allow a one-time expedited or emergency advance payment, in case an applicant is facing a financial emergency and is unable to pay for essentials: food, clothing, shelter or medical care. To approve the payment, Social Security must reach a finding of "presumptive eligibility" based on the financial resources and medical status of the applicant. If the agency approves the emergency advance but does not approve the application, then it considers the advance an overpayment, and will insist on repayment.
You would need to go to your local Social Security office, and see one of the workers re that advance.
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