Uncle Buck has traditionally offered short term loans ranging from £100 to £1000 that are then paid back over 3 months. With these 3 month loans, customers would select how much they wish to apply to borrow and see clearly upfront how much the loan would cost and the amount to repay in 3 instalments.

As for all of our customers, first time borrowing is limited to £500. Loan approval is based on affordability and creditworthiness. Customers that have borrowed from us before and repaid successfully may be able to borrow up to £1,000 but not everyone will qualify for this amount.


Uncle Buck is a direct lender, meaning that you can apply directly through our website and there are no other middlemen or brokers involved. Once you have completed the application form, you will receive an instant decision letting you know if you have been provisionally approved. If you’re approved, you will be presented with your loan documentation to read and consider, and you should only sign the agreement if you’re certain the loan is right for you. We may need to carry out some additional checks, following which, we can transfer the funds directly to your debit account. Funds are transferred, typically within 15 minutes of approval during the hours of 6am–11pm daily. If your application is approved after 11pm, funds will be sent the following day.

3 Month Loans For Emergencies 

Many of life’s emergencies that cause unexpected expenses are too large for most people to pay back in just one lump sum. This is why Uncle Buck moved from offering traditional payday loans, which require you to repay the entire loan and interest on your next pay date to 3 month loans that allowed customers to spread the costs involved with broken boiler, car repair or other urgent requirement, with repayments over 3 monthly instalments.

Now, with the cost of bills rising higher than wages, many customers are finding that these emergencies are better financed over an increased term (up to six months) to fit within their monthly budget.

These slightly longer loan terms and staggered repayments allow you to spread the cost of borrowing and have more time to repay your account, but you will end up repaying more overall.

How The Repayments Work 

Our short term loans are repaid in almost equal instalments. With similar amounts to pay when each instalment is due, it makes life easier as you know how much you are repaying each time and can budget for it accordingly.

Representative Example

Loan Amount (for 4 months)
Three Repayments of
One Final Repayment of
Total Repayment
Interest Rate
292% pa (fixed)
1244.0% APR

The repayment date is scheduled regularly in accordance with the date you get paid. This is typically the last Friday or last working day of the month when most customers receive their salary from work. Simply choose the regular instalment period that falls in accordance with your pay frequency. The important thing to remember is being able to repay on your pay dates and having enough funds in your account when the repayments fall due.

Repayments are collected from your debit account using a system called Continuous Payment Authority. When you take out a loan with us, you agree to repay in this way and we provide details of how to cancel this continuous authority also. Uncle Buck will ask you to provide your debit card details during the application process which will allow us to collect the amount owed each month – so you do not have to worry about making a manual payment. Your debit card details will be validated during the application process and are held securely on our system in order to collect the loan repayments. We will attempt to contact you and send you a reminder by email and text message on the days leading up to each repayment so that you are well informed of the payment that is falling due. 

Repaying Your Loan Early 

You also have the choice to repay early if you wish, at any time. You can simply call our customer service team on 01959 543400 during opening hours or email info@unclebuck.tv who will advise how much you need to repay.

You may find that you do not need the loan for as long as originally required. In this case having that loan flexibility to repay early, say after 3 months instead of 4 can be very useful and you may be eligible for a rebate of interest if you clear your account earlier than scheduled.

Our Application Process 

Our application process is completely online and only takes a few minutes to complete. Provided that you have access to the Internet you can apply using a desktop, mobile or tablet. We ask you to provide some personal details including:

  • How much you wish to borrow and for how long
  • Name, DOB and residence
  • Contact details
  • Employment and income details
  • Monthly expenses
  • Bank and debit card details

Our criteria for applying requires you to be over 18 years of age, a UK resident, in employment and able to afford the monthly repayments when they fall due. The questions we ask in the application process are used to determine your eligibility for a loan. We do not lend to those in debt management, those who have had a recent Individual Voluntary Arrangement or those subject to any bankruptcy proceedings.

We always run a series of credit and affordability checks to ensure, to the best of our knowledge, we can provide you with a loan that you can afford without falling into financial difficulty. We carry out online credit checks and work with credit reference agencies to check the credit history of our customers and get an understanding of their previous credit records and outstanding debts. We consider this in addition to our own checks and the information provided during the application process to help us decide whether our loan is right for them.

In terms of affordability measures, we review your monthly expenses and income and consider how much you can afford to borrow and repay. If we have any questions about the information provided, you may receive a follow up call or email from our customer service agents. For more information,
read about the checks we carry out.

If you have successfully passed our checks, your loan application will be approved and the funds will be sent directly to your debit account. Our eligibility criteria requires you have a UK bank account to electronically receive the funds and a valid debit card attached to that account to collect the repayments.


Our Commitment To Responsible Lending 

Uncle Buck is authorized and regulated by the Financial Conduct Authority (FCA) and we are fully committed to responsible lending and treating customers fairly. Our site is located on a secure server meaning that your personal information is held securely and confidentially. We do not charge any fees for applying and will not pass on your details to any other companies without your permission.

We aim to provide lending solutions that are transparent and clear in relation to costs and consequences, take steps to ensure we lend responsibly and customers borrow responsibly, ensure customers are aware of the costs and consequences of non-payment and conduct regular reviews on customers account to ensure they are not becoming dependent on short term credit needs to meet their day to day expenditure. We deal with genuine cases of arrears with understanding and forbearance, taking a positive approach to assisting debtors to find solutions.