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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

Need to borrow money to help cover the costs of an unexpected expense?? There are a variety of lenders out there all offering different options depending on your circumstances. However, knowing the solution that’s right for you may not always be so easy to understand.

Created to help give you a clearer understanding of what you need to know when it comes to borrowing, our page makes for essential reading.

Borrow Money UK

Before borrowing money, it’s important to ask yourself whether or not you need to. Can you instead wait until you next get paid to cover the costs? Or do you even need to make the purchase which you are borrowing for?

If you do need to borrow, then it’s important to apply for the loan that’s right for your circumstances and you do so with an awareness of the risks involved.

Looking to borrow money with Uncle Buck?

Short-Term and Long-Term Borrowing

When it comes to borrowing money responsibly there are a variety of different options available depending on your needs.

If you are planning on borrowing to buy a car or home, then a long-term loan will often be a more fitting option. These types of loans are generally for larger amounts and are often repaid over a number of years rather than months. Though if you need help with an urgent expense, such as a broken down boiler, then a short-term loan could be a better option. Typically for smaller amounts and borrowed for a shorter period, a small-term loan often allows the borrower to get a hold of the money they need the very same day.

Here at Uncle Buck, we help those looking to take control of their unexpected expenses by offering short-term loans. Our loans are not designed for long-term costs, such as mortgages or rent payments, nor are they intended for non-essentials like holidays, nights out or shopping trips.

Borrow Money with Bad Credit

Looking to borrow with bad credit but worried that you won’t be accepted for a loan? Then we could still help, as here at Uncle Buck, we don’t believe that credit scores are always an accurate reflection of who you are as a borrower. Instead, we prefer to look at the affordability of the loan compared to your current circumstances.

Borrow Money Now

Need to borrow money now? If you’re looking for a loan to manage an unexpected expense, then you likely don’t have the time to spend searching around for answers. So to help, we’ve gathered together a number of the more common questions that people ask before applying for a loan with Uncle Buck.

How much could I borrow?

How much you can borrow depends upon several things, including, who you are borrowing from, how much they are willing to lend to you and your creditworthiness. Most short-term lenders won’t offer you more than a few thousand pounds, while loans from banks tend to be for larger amounts and for longer durations.

When you apply with Uncle Buck, you could borrow up to £1000 (limited to £500 for new customers) to help with managing an emergency expense. Borrowing limits are subject to creditworthiness and affordability checks.

Can I borrow money without a guarantor?

We know it isn’t always easy finding someone to help secure your money when you need to borrow urgently. So to help, we offer short-term loans without the need for a guarantor, to give you one less thing to worry about when you need a loan.

What checks are carried out when borrowing money with Uncle Buck?

At Uncle Buck, we always carry out the relevant affordability and creditworthiness checks when you apply for one of our loans. This helps us to try and ensure that we only ever lend to those who we believe can afford our loans.

These checks are straightforward and simply involve several questions regarding your personal details, current employment, residency status, income, expenditure and banking information.

How long can I borrow money for with Uncle Buck?

Here at Uncle Buck, our short-term cash loans are available to borrow for either a four or six month period.

While short-term loans were typically designed to be paid back in full on your following payday, doing so may not have been the most practical solution. So, by providing the option of making regular payments over a four or six month period, we can offer a greater degree of flexibility when it comes to repaying your loan and budgeting over the following months.

Can I apply to borrow money with Uncle Buck online?

Yes, you can. At Uncle Buck, our loans are applied for entirely online and are specifically designed for mobile, tablet and desktop. So if you’re searching for an online loan today, our straightforward online process ensures you can apply anywhere and at any time.

How long does it take to borrow money with Uncle Buck?

Here at Uncle Buck, our straightforward online applications provide a quick and hassle-free process, with money transferred to your account within 15 minutes if approved.

We provide short-term loans intended to help with managing unexpected expenses. Our loans should never be used to pay off pre-existing debt or for long-term borrowing. If you require help with another form of expense, then there may be cheaper, more suitable options available for your circumstances. Before applying, you should carefully consider whether you need a loan and whether you will be able to meet the required repayments before applying.

To start your Uncle Buck loan application today, simply click the Apply Now button.

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

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