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Representative Example

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

Car in need of urgent repairs? Boiler broken-down again? Emergency expenses can make life tricky, especially when you don’t quite have the money available to cover the costs. So when faced with such a situation, what options do you have? You could try hanging on until payday, or you could consider other options such as applying for a £400 loan to resolve the issue today.

Intended to help manage short-term cash flows, our £400 loans could help you to get your day back on track without any unnecessary waiting around.

£400 Loan Direct Lender

Searching for direct lender loans to manage your current cash crisis? Then we can try to help. At Uncle Buck, we work as a direct lender, which means when you apply for one of our short-term loans, you borrow directly from us. So should you have any questions about your loan, you will always know exactly who to turn to. If we are unable to lend to you, then we can help try and find you an alternative lender if you permit us to do so.

At Uncle Buck, we provide short-term loans of up to £1000. Our repayment options allow you to spread the costs over a four or six month period for a more flexible approach to borrowing. We always aim to provide our loans the same day you apply, with money typically transferred within 15 minutes of approval.

Our loans are intended to manage short-term cash flows. If you require help with a long-term expense or pre-existing debt, then there may be cheaper, more suitable options available to you.  We want our customers to be able to repay what they owe without negatively affecting their financial circumstances.  We look at each request individually and will only make a loan if doing so meets our obligations as a responsible lender.

£400 Loan Laptop Pen and Paper

£400 Loan Bad Credit

Worried your bad credit score might affect your chances of being approved a loan? That’s not an issue with our loans for bad credit. As when it comes to credit scores, we don’t believe they always offer an accurate representation of who you are as a borrower. So when it comes to lending, we prefer to look at the affordability of the loan to you, rather than your credit rating.

It isn’t just loans for bad credit that we offer our customers, we also provide other benefits too, including:

  • No guarantor loans: Don’t have a family member or friend to help secure your loan? That’s not an issue with our no guarantor loans
  • Easy to understand applications: Designed for mobile, tablet and desktop, our straightforward online applications ensure you can apply wherever you might be
  • UK-based customer support: Our friendly customer service team are here to help with any questions you may have

£400 Payday Loan

Want to know what a £400 loan could cost you? Then our online loan calculator can help.

A four month £400 loan would typically breakdown as follows:

  • Three monthly instalments of £151.54*
  • One final instalment of £145.90*
  • Interest charged: £200.52*
  • A combined repayment total of £600.52*

*This amount is calculated based on a fixed interest rate of 292% per annum with an application 15 days before your next pay date. Representative 1249.0% APR. The actual APR, repayment amounts and interest charged will vary as per the term of the loan and your actual pay dates.

Apply for a £400 Loan Today!

Are you looking to apply for £400 short-term loan today? With our straightforward online applications, it’s simple.

To apply, first ensure your eligibility by fulfilling the following criteria:

  • Are over the age of 18
  • A UK resident
  • In employment
  • Have a UK bank account into which your salary is paid
  • Own a working mobile phone
  • Have a valid email address
  • Not currently be in or anticipating entering debt management, an individual voluntary arrangement or a debt management plan

If you meet our required criteria, then you could be approved a short-term loan by merely answering some questions covering your:

  • Identity
  • Residency
  • Employment
  • Income
  • Expenditure
  • Banking information

Once you’ve responded to our questions, we can run the relevant affordability and creditworthiness checks to see the suitability of an Uncle Buck loan to you.


At Uncle Buck, we’ve been offering short-term loans since 2004 to borrowers from across the UK. If you are interested in applying for a £400 loan today, click the Apply Now button.

If you have any questions regarding our loans, you can contact us at

Prefer to speak with a member of our friendly UK-based customer service team? Then call us on 01959 543 400. We are open Monday to Friday, 08:00 to 20:00 and on Saturdays from 09:00 – 17:00.