Apply Online Now!


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 help managing a sudden unexpected expense? Then a short-term loan could help you to resolve the issue the very same day. Though if you’re struggling with bad credit or lack a guarantor, it can be tricky getting approval for a loan. So when faced with such a situation, it can be tempting to consider a guaranteed loan to secure the money you need.

What are Guaranteed Payday Loans?

The term ‘guaranteed payday loans’ implies the availability of credit regardless of your current circumstances or necessary checks being carried out. However, such loans don’t exist, as any lender will at least require the borrower to demonstrate they can afford the repayments.

At Uncle Buck, we make our lending decision based on a number of questions which allow us to carry out the relevant affordability and credit worthiness checks.

We offer short-term loans to help with unexpected expenses. Our loans are not intended to manage long-term financial issues or to pay off pre-existing debt. Our loans are a “high cost” form of credit and there may be cheaper, more suitable options available to you.  Missing payments can also make it more difficult in obtaining credit in the future and we report payment information to credit reference agencies and other lenders may see this.

Is Uncle Buck a Guaranteed Payday Loan Direct Lender?

At Uncle Buck, we are a direct lender offering payday loans to help manage unexpected expenses. We in no way offer guaranteed loans. .

A reputable direct lender will always carry out the relevant checks to ensure that if they offer you a loan, they can be sure it’s an affordable option for you. Any direct lender offering guaranteed payday loans should be avoided.

Guaranteed Loans Money on Laptop

Does Uncle Buck Offer Guaranteed Same Day Loans

No, Uncle Buck does not offer guaranteed same day loans. We do however offer straightforward, hassle-free short-term loans to help manage unexpected expenses. Our short-term loans feature a number of benefits including:

  • No Guarantor Required: There’s never any need to hassle family or friends when you apply with Uncle Buck. Our no guarantor loans assure you can apply without having someone else to secure the money to be approved.
  • Loans for Bad Credit: Don’t let a bad credit score stop you from applying. When you apply for a loan with Uncle Buck, we make a decision based on the affordability of the loan to you rather than on your previous borrowing history.
  • Simple Online Applications: Whether at home or on the go, you can apply for a short-term loan wherever you may be. Our online applications, available on mobile, tablet and desktop, ensure that applying for an Uncle Buck loan is straightforward.
  • UK-based Customer Support: Questions about our short-term loans? Then our friendly, UK-based customer service team are happy to answer any questions you may have.

Apply for Guaranteed Loans

Looking for guaranteed same day loans today? At Uncle Buck, we don’t offer guaranteed loans, but we do however offer straightforward short-term loans. Our online application process involves a number of questions regarding your:

  • Identity
  • Current Employment
  • Residential Status
  • Income
  • Expenditure
  • Banking Details

Once we have collected your relevant information, we can carry out the required affordability and credit checks to try and ensure that a short-term loan works as a suitable option for you. We also ask that all applicants fulfil the following criteria before applying:

  • Are over the age of 18
  • In employment
  • A UK resident
  • Have a UK bank account into which their salary is paid
  • Own a working mobile phone and have a valid email address
  • Not currently in or anticipating entering debt management, Individual Voluntary Arrangement or under any bankruptcy proceedings

At Uncle Buck, we’ve been offering short-term loans since 2004 to borrowers from across the UK. To apply for a loan today, 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 today on 01959 543 400. We are open Monday to Friday, 08:00 to 20:00 and on Saturdays from 09:00 – 17:00.