A debit card loan refers to borrowing a few hundred pounds and requires you to have a debit card as part of the application in order to receive funds into your account and make repayments.

Apply Now

Uncle Buck offers loans up to £1,000 and one of our requirements is that customers must have an active debit account when applying. Our criteria for applying is:

  • Over 18 years old
  • UK residence
  • In employment and able to afford repayments
  • Active debit card
  • Working mobile phone and email address
  • No history of IVAs or bankruptcy or under debt management arrangement

We began trading in 2004 and have become one of the leading short term loans lenders in the UK. With a commitment to responsible lending, we are fully authorized by the Financial Conduct Authority under firm reference number 673545.

Uncle Buck is a direct loan provider meaning that you can apply directly on our website and your details will not be passed to any other brokers (without your express permission) nor will you be charged any upfront fees. Our site is on an https secure server, which means that any personal information you give us is encrypted and will be kept safely.

How Our Application Works? 

Our application is completely online and customers can start by filling in their details on our application form. If your application passes the initial stages, you will be required to read and consider the terms of your loan offer and electronically sign the loan agreement using a pin code sent to your mobile phone.

As part of the underwriting process, we will run a series of credit checks and affordability measures to get an idea of your credit background and to try and match how much you have asked to borrow with what you can afford to repay. Sometimes to complete these checks, you may receive a call from one of our friendly staff members to confirm a few details and we may request additional information about your income and expenditure.


We will need to verify your bank details and debit card as part of the application process to check the funds will be sent to your account and that repayments can be received efficiently.

The idea of our debit card loans is that usually the entire process can be handled electronically. We can transfer the funds to your debit account within 15 minutes of approval as we make transfers every day, every 15 minutes between 6am and 11pm. If your application is approved after this time, the funds may take longer to appear. There is no need to fill in paperwork, post off lots of forms, or even receive cash in hand; everything can be handled electronically and online.

How Repayments Work with Debit Card Loans 

Your repayments with Uncle Buck take place each payday over the length of the loan in almost equal instalments. Collections are set up on a date that you choose and for many customers, they select their pay date from work which is typically the last working day of the month.

The benefit of a debit card loan is that all the transactions can happen in one place. Your salary from work will usually get paid into your debit account and your loan repayments will be taken from the same account too. So, you do not have to worry about transferring money to different accounts as everything can be processed smoothly with one debit card account.


Your repayments are processed automatically using continuous payment authority, which allows us to set up recurring payments for each instalment with your permission. This means you do not have to deal with calling up every time a payment is due or making a manual repayment. You will receive an email and text message on the days leading up to each repayment to remind you about the collection and on your scheduled pay date, the funds will automatically be applied for from your account.

If you know that your debit card is going to expire soon, it is important that you give us notice and contact our team to update your card details. This will ensure your repayments go through on their scheduled dates and there are no missed repayments which could incur a late payment fee.

Using Other Payment Methods 

At Uncle Buck, we only transfer funds into the borrower’s debit account. We do not provide cash in hand or send cheques to successful applicants.

In terms of repayment, we do not accept credit cards as they are not compatible with our product. In certain circumstances, we will accept bank transfer as a form of repayment and this might be because a debt management company or third party needs to send repayment on behalf of the customer.

The debit card account you use to apply to receive the funds and make repayments from must be your own debit account. You cannot use someone else’s debit account to receive the funds and repayments made from a third party’s account will only be considered if there are mitigating circumstances.

For more information, you can read about using and paying with debit cards here.