Faced with a sudden cash crisis, a short term loan could be the solution for resolving the problem. However, if you’re suffering with a bad credit rating, it can be tricky getting a hold of the money you need.

In such a situation, a bad credit loan could help you to secure the money without your credit score affecting your chances.

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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

What are Bad Credit Payday Loans?

Bad credit payday loans are essentially short-term loans designed to cover emergency expenses. When assessing your suitability, Uncle Buck recognise that financial mistakes can happen and we take a broader view on your overall ability to repay, not just your credit rating. Many bad credit payday loans lenders, such as Uncle Buck, prefer to consider the affordability of the loan rather than basing a decision on your borrowing history.

If you’re looking to apply for payday loans for very bad credit, then Uncle Buck can help. Our bad credit loans offer a number of benefits, including:

  • No guarantor: Our payday loans do not require a guarantor, so you can apply without having to ask a family member or friend to secure your money.
  • Straightforward process: Our loan application is designed to be as straightforward as possible to ensure you get a loan decision fast.
  • Apply at your convenience: Our loans can be applied for online via mobile, tablet or desktop to ensure you can get your money whether you’re at home or on the go.
  • Quick credit: If accepted for an Uncle Buck loan, we will aim to transfer the money to your account within 15 minutes.
  • Quality service: Our friendly, UK-based customer service team are on hand to help with any inquiries you may have.

What to Consider Before Applying for Bad Credit Payday Loans Direct Lender

Before applying for any bad credit loan, it’s essential that you fully appreciate the cost that may be incurred. A bad credit payday loan is an expensive form of borrowing and should never be used as a means of paying-off pre-existing debt or as a long-term financial solution. Cheaper forms of credit may be available. Missed or late payments can attract default fees and additional default interest.

It’s important to consider whether you truly need to take out a loan or not. Payday loans for very bad credit are designed to cover emergency expenses, such as a broken-down car and never for non-essentials or frivolous purposes.

Apply for Bad Credit Payday Loans UK

If you’re searching for a bad credit payday loans direct lender, then Uncle Buck can help.

Our bad credit payday loans application is designed to be as straightforward as possible. We simply ask a number of questions regarding your personal details, current employment, residency, income and expenditure alongside your banking details. We also ask that all applicants fit the following criteria before applying:

  • Be over the age of 18
  • A UK resident
  • In employment
  • Have a bank account into which a salary is paid
  • Have a valid email and a working mobile phone
  • Not currently be in or anticipating entering a debt management plan, individual voluntary arrangement or under any bankruptcy proceedings.

If accepted for an Uncle Buck loan, your money could be transferred into your account within 15 minutes to help you resolve your current situation as soon as possible.

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

If you have any questions regarding our loans, you can contact us at info@unclebuck.co.uk

Prefer to speak with a member of our UK-based customer service team? Then give us a call on 01959 543400 during our opening hours of Monday to Friday, 08:00 to 20:00 and on Saturdays from 09:00 – 17:00.