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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

We know that unexpected expenses always seem to happen when money is at its tightest. So when you can’t afford to cover the costs and holding on until payday isn’t an option, applying for a short-term loan could be a suitable option.

If you’re searching for a £500 loan to help manage an unexpected expense, try Uncle Buck.

£500 Loan Direct Lender

Here at Uncle Buck, we are a direct lender, which means when you take out one of our short-term loans, you borrow directly from us. This relationship gives you a single point of contact throughout the loan process, while it also ensures that your details won’t be shared with other lenders (unless we can’t provide you with a loan and you give us express permission to share your details to help facilitate your application).

At Uncle Buck, we offer payday loans to help manage short-term cash flows. If you require finance for a long-term expense or to help with managing pre-existing debt, then there may be cheaper, more suitable options available to you.  We report payment information including missed payments to credit reference agencies, which may make getting credit more difficult in the future.

£500 Loan Laptop and Calculator

£500 Loan Bad Credit

Looking to apply for a £500 short-term loan but worried that your poor credit rating might prevent you from being approved? That’s not an issue with one of our bad credit loans. At Uncle Buck, we don’t believe credit ratings are always a true representation of your borrowing, so when it comes to lending, we prefer to look at the loan’s affordability.

Though it’s not just short-term loans for those with bad credit we offer, we also have other benefits, including:

No Guarantor Loans

Don’t let the lack of a guarantor stop you from applying with Uncle Buck. Our £500 loans don’t require a guarantor, so there’s no troubling family or friends to help secure your money.

Straightforward Online Application

Whether you’re on mobile, tablet or desktop, with our straightforward online application process you can always apply at a time convenient for you.

A Direct Point of Contact

Questions about our loans? Then our friendly UK-based customer service team can help.

£500 Payday Loan

Here at Uncle Buck, we offer a straightforward repayment schedule with no hidden fees. So if you were to borrow £500 for a four-month period, you would pay:

  • Three monthly instalments of £189.42*
  • One final instalment of £182.38*
  • Interest charged: £250.64*
  • For a combined total of £750.64*

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

Apply for a £500 Loan

Looking to apply for an Uncle Buck £500 loan today? With our straightforward application process, you could complete our online application without unnecessary delay.

To apply, we simply ask you a number of questions regarding your:

  • Identity
  • Current Employment
  • Residential Status
  • Income
  • Expenditure
  • Banking Details

These questions allow us to run the required affordability and creditworthiness checks to try and ensure that a short-term loan works as a suitable, affordable option for you.

To be considered for an Uncle Buck loan, applicants must also fulfil the following criteria:

  • Be 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 and have a valid email address
  • Not currently in or anticipating entering debt management, Individual Voluntary Arrangement or any bankruptcy proceedings

At Uncle Buck, we’ve been offering short-term loans since 2004 to borrowers from across the UK. To apply for a £500 loan today, click the Apply Now button.

If you have any questions regarding our £500 loans, you can contact us at

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