Apply for a new loan by text!

If you are an existing customer you can now use your last known 8 digit SMS code to apply for a new loan by text.

To do this, you need to have taken out a loan with Uncle Buck and
repaid what you owe. We also recommend you go to our website
and have a look at our FAQs to make sure that you refresh your
understanding of how the loan works, and important information
you should consider before making an application.


Apply Now

How to apply by text

Our payday loans are available from £75 to £1,000 in steps of £25.
Not everyone will be offered £1,000 and we may offer you a loan
amount that is lower than the amount you requested if our affordability
and other checks indicate this is appropriate.

To apply text 'LOAN' plus the amount you would like along with your last known 8 digit SMS code to:

07860 021 717**

For example If you would like to apply for a loan of £200 and your last known 8 digit SMS code was 12345678 you would text LOAN £200 12345678 to 07860 021 717

** This is not a subsidised or premium rate number.
      Please refer to your network provider for information on normal SMS costs.

Please note: For applications made by text, we will only ever advance up to the same amount as your previous loan advance with us. If you require a higher amount, please use the existing customer log-in area of the website


Treating Customers Fairly

We put our customers at the heart of what we do, and we like to make the customer journey as smooth as possible. That’s why we have introduced applications by text for customers who have borrowed from us recently, and repaid what they owe. We treat an application by text just a seriously as any other application and we will carry out our thorough checks before making a lending decision. If your circumstances have changed since you previously had a loan with us, we may not be able to offer you an advance. We will still need to verify your details and you will receive new loan documentation if we are able to accept your application. As an existing customer of Uncle Buck you will know that our website contains a lot of important information about our loans, including risks of non payment and default charges. You can find all this information here.


Responsible Lending
Uncle Buck is committed to lending responsibly, we don’t want to put people into debt by lending them money that they can’t afford to repay. A payday loan is a short term cash advance that is there to help you when unexpected expenses arise helping you manage your cashflow. Click here to read our full Responsible lending statement. Uncle Buck is committed to upholding the Good Practice Customer Charter which gives customers enhanced protections when taking out a payday loan. To read the Charter please click here.
Representative ExampleIf you borrowed £200 for 30 days
you would repay a single
payment of £248.00. Interest is 292% per annum (fixed).
Representative 1269.7% APR.
Funds are transmitted free of charge.
WarningRepresentative ExampleLate payment can cause you serious money problems. For help, go to

Payday loans are not suitable for, and would be expensive as, a means of longer term borrowing and are not appropriate if you are in financial difficulty. Please click here to review our responsible lending policy.
Uncle Buck is committed
to lending responsibly
Click here to find out more
Members of the BCCA
 * Calls may be recorded and monitored for security and training purposes.

  Uncle Buck is a trading name of Uncle Buck Finance LLP Company Number OC356091.
  Registered Office 707 Churchill Way, Biggin Hill Airport, Biggin Hill, Westerham, Kent TN16 3BN.
  Uncle Buck is authorised and regulated by the Financial Conduct Authority (Interim Permission Number 640978).
  You can confirm our registration on the Financial Conduct Authority’s website or by contacting the Financial Conduct Authority on 0800 111 6768.
Copyright © 2015 Uncle Buck Finance LLP. Website by Diablo