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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

When it comes to borrowing money, you will always want to find the best option for your needs. However, with several types of loans available, it may not always be clear which one to apply for.

So if you are searching for the best loans to suit your current requirements, whether that’s for an unexpected emergency or household renovations, we can provide some information to assist with your decision.

Best Loans UK

If you’re searching for the best loans to suit your needs, then you’ll likely have questions. So to help, we’ve answered some of the more common queries that applicants have.

Can I apply for a loan with bad credit?

Yes, it is possible to apply for a loan with bad credit, but approval is at the discretion of the lender and whether they offer loans for bad credit.

If you are looking for the best loans for bad credit applicants, then we could try and help. Here at Uncle Buck, we don’t believe that a bad credit score should automatically disqualify you from a loan. Instead, we prefer to look at the affordability of the loan to determine if it can be repaid in a sustainable manner.

Do I need a guarantor when I apply for a loan?

Whether you need a guarantor or not when applying for a loan is entirely down to the lender’s requirements.

Here at Uncle Buck, we offer loans without the need for a guarantor. This ensures that you can apply without ever having to ask family or friends to help secure your money.

How much can I apply for?

The amount that you can apply for with a loan depends entirely on who you are borrowing from. At Uncle Buck, we offer loans for amounts of up to £1000, which can be borrowed for either four or six month periods.

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Best Online Loans

When it comes to finding the best online loans, it’s essential to do the relevant research beforehand, so you know exactly what option is right for you. To help, we’ve listed some of the key points to consider before applying.

Secured loans vs unsecured loans

Secured loans and unsecured loans are ultimately two very different borrowing options. A secured loan requires collateral, i.e. your car or property, to cover the costs of the loan should you be unable to repay it back. This allows the lender to offer much larger amounts of money to the borrower. An unsecured loan doesn’t require any collateral to secure the money, so as a result, the sum of money available tends to be smaller than that of a secured loan. However, the interest rate of an unsecured loan is typically much higher, and so the borrowing costs will be often expensive.

Are you searching for the best unsecured loans for your needs? Then Uncle Buck could help. We offer unsecured loans for amounts of up to £1000, so there’s no worry over having to offer up an asset to secure your money. This form of borrowing is expensive and unsuitable for supporting sustained borrowing for long periods.

Bank loans vs shot-term loans

Much like with unsecured loans, short-term loans are typically designed for smaller amounts and don’t require collateral to be approved. The term ‘bank loans’, however, is a broader term and can include several different borrowing options.

At Uncle Buck, we offer small short-term loans designed to help manage unexpected expenses. So if you are searching for the best small loans for a short-term cash crisis, then we could help. Click the Apply Now button at the top of this page to begin your application today.

Applying for a loan

When applying for a loan, it’s vital that you do so for the right reasons and always search for the best loan for your needs. If you have any questions about our loans, then contact us today on 01959 543 400 or email us at

An Uncle Buck loan should only ever be used to help with managing an unexpected expense. If you require help with long-term credit or pre-existing debt, then there may be better, cheaper options available for your needs.

Where to Find the Best Loans UK

Finding the best loan for your needs will depend on your specific requirements. However, for a short-term borrowing option that could be in your account the very same day, a payday loan might be the answer.

At Uncle Buck, we offer a hassle-free and straightforward application process with everything clearly presented to you when you apply.

When you apply for an Uncle Buck loan, we ask a number of questions. These questions cover your personal details, current employment, residency status, income, expenditure and banking details.

We also require all applicants to fulfil the following criteria:

  • Being over the age of 18
  • A UK resident
  • In employment
  • Have a UK bank account
  • Own a working mobile phone and a valid email address
  • Not currently be in or anticipating entering debt management, an individual voluntary arrangement plan or any bankruptcy proceedings

Searching for a short-term loan to help manage an unexpected expense? Simply click the Apply Now button to begin your Uncle Buck application.

We will not provide a loan if you are in financial difficulty or our credit assessment indicates that the loan may not be able to be repaid in a sustainable manner.

Questions about our loans? Then don’t hesitate to contact us at

If you would 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.