Uncle Buck offers fast, flexible, and highly competitive loans for 6 months or more. So if you’re in a jam, have encountered an emergency expense and need to get cash in a hurry, we’re ready. We can facilitate loans of up to £5,000 via our vast lender network and we also specialise in helping those with a below-average credit rating. As long as you have some form of month to month income, we’re ready and willing to process your application.
Upon submission of your loan application, you will receive an instant decision regarding approval. Uncle Buck partners with over 30 direct lenders and each will have the opportunity to review and propose an offer in response to your application. Our system will then present the best option to you seamlessly. The whole process takes around 2 minutes to complete.
If you choose to go ahead and agree to the loan terms presented to you, the lender will endeavour to transfer the money to you on the same day you apply. It’s typically an automated process, actioned by your acceptance of the agreement however you are at the mercy of bank transfer times. Some banks process transactions periodically throughout the working day. So if you apply for a 6 month loan over the weekend, bank holiday or even late into the evening, your loan fund transfer may be delayed. All loan transfers are typically sent within 24 hours, however.
In addition to providing a fast, reliable, and transparent lending service, there are tons of other great reasons to choose Uncle Buck for your short term lending requirements. Here are just a few of them!
Loans for shorter periods such as 6 months tend to be used to tide people over until their next payday. Or perhaps used to consolidate other debts in order to avoid costly penalty charges and such. Here is a run-down of some of the more popular reasons for needing a loan that our customers have provided us with.
All the loans offered at Uncle Buck are considered for ANY purpose. You will not be required to prove what you need the money for. The cash is yours to do as you please (within reason).
If you suffer from bad credit, first of all, do not worry. Uncle Buck specialises in finding and facilitating loan deals for those with a less than perfect credit score and we boast an extremely high acceptance and approval rate. Particularly for small amounts of money over shorter periods such as 6 months. And providing your meet the core eligibility requirements below, we’d happily welcome your application. Our lenders like to base approval on affordability rather than historic credit records, so even if you have missed payments in the past etc, there is still a high chance you will be approved.
From time to time, we attract customers seeking out loans without a credit check. The reasons for this vary, but usually it’s because they’re worried about getting approved or don’t want yet more declines listed on their credit report. It’s understandable in some ways but unfortunately not something we can offer. All FCA approved UK lenders must carry out a credit check of sorts on their applicants. It’s the very essence of responsible lending which all our partners strictly adhere to and practice. However, with that said, a credit search is not a bad thing. Our lenders perform what is known as a soft pull (or soft search) which will not leave a lasting record on your report and from your perspective, the last thing you want is a lender to borrow you more money than you can afford to repay.
Students often don’t get a fair shake when it comes to the availability of credit. Particularly short term credit without a designated, specific purpose. This is largely down to credit ratings and how the scoring works. Most students have not been afforded the chance to take on, service and satisfy debt yet so are unable to boast any meaningful credit score. Fortunately, Buck can assist with this as our lending partners consider affordability a more significant indicator of creditworthiness. So if you’re a student with bad credit or even no credit whatsoever, we have you covered.
Getting a 6 month loan via UncleBuck.co.uk is a relatively quick and easy process compared to other short term lenders. A fact we’re truly proud of and something our customers specifically highlight as one of our key features. Below we’ll run through what you need to have handy should you wish to apply for a 6 month loan with us, plus an overview of how our application process works from start to finish.
You only need to meet the most basic requirements to be eligible to apply for a loan, but you must meet all of them. Here are our 4 requirements. Being eligible is no guarantee of acceptance however we do boast a high acceptance and approval rating.
If you meet the above criteria, please head over to our online application form for more details.
You will find our loan application form to be somewhat basic compared to other forms you may have completed previously. This was intentional. We want to provide a fast service and get you your money as quickly as possible. That is why we only ask a handful of the most basic questions to determine eligibility. You will be required to provide your name, contact information (address, phone number, email) and details of your current income and expenditure.
Once completed, post submission, your details will be sent via our proprietary software to an array of direct lending partners who meet your requirements. This all happens behind the scenes and the process is completed in a matter of minutes. You will then be informed of the results of the lender search on screen.
After the submission and searching process has been completed, you will be notified of acceptance on screen. This occurs around 2 minutes after you’ve submitted the application. You will then be presented with all the details of the loan you have been approved for. You will be informed of but not limited to:-
High Acceptance Easy Application Quick Decision £5,000 Loans Responsible Lenders Repay Over 36 Months No Hassle No Guarantor No Hidden Fees No Paperwork No Phone Calls No Delays UK Based Poor Credit OK Reputable Lenders Established Broker Fair Treatment Instant TransferOnce you have reviewed all the above, you will be prompted to accept (or decline) the 6 month loan offer presented to you. You are under no obligation at this stage to complete the process.
Those on the hunt for a quick, 6 month loan also have other alternative options at their disposal. Below we’ll look at some other loan types that can also facilitate quick and easy short term cash for short periods such as 6 months or less.
Payday Loans: A payday loan is no longer technically a payday loan as all payday lenders must now offer these types of loans for up to 3 years (36 months). So taking out a payday loan over 6 months is no issue. This change in regulations was brought in to address the issue faced by borrowers requiring repayment of the loan on their very next payday. The new terms are much more flexible and work in the customers favour, so they’re a good option if you only need to borrow money for a few months.
Short Term Loans: Any loan for less than 3 years is considered a short term loan in the eyes of most lenders. So a 6 month loan such as the one you’re looking for would safely fall into that bracket. Short term loans come in a variety of different guises and often only differ from other loan types in name only. All the loans we offer at Uncle Buck are considered short term.
Loans for Bad Credit: If you suffer from a less than perfect credit record, you might have more chance of approval should you seek out a bad credit lender. Lenders of this nature such as the ones we partner with here at Buck tend to look beyond your regular credit score and instead focus on affordability i.e. your ability to afford the monthly repayments. This is another good option if you simply want to borrow a small amount of money for a short period such as 6 months.
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Uncle Buck is a registered trading name of Chojin Ltd. Chojin Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 732880. Licensed by the Information Commissioners Office (registration number ZA214952).
Chojin Ltd is registered in England and Wales (Company number 07339611), with a registered office located at 241 Highland Drive, Loughborough, Leicestershire, LE11 2QF.
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