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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

Struggling with a bad credit score? We know it can be difficult getting approval for a short-term loan when in such a situation, so the idea of a guaranteed loan can sound tempting. Though, such loans aren’t necessarily the right choice as there may be more suitable options available to you.

Guaranteed Payday Loans for Bad Credit Direct Lenders

The idea of a loan without the need for the relevant checks, otherwise known as a ‘guaranteed loan’, can sound like an appealing proposition to those struggling for approval. However, all lenders that are authorised and regulated by the Financial Conduct Authority (FCA) are required to carry out the relevant creditworthiness and affordability checks before offering anyone a loan. If you’re applying with a lender who forgoes these checks by offering a guaranteed loan, then it is likely they are not a very reputable option or authorised.

So while many lenders may look to your credit score to determine whether or not to lend to you, we base our decision on whether the loan is affordable for you. So if you’re looking to apply for a short-term loan today for an amount of up to a £1000 repayable over a four or six month period, Uncle Buck can try to help.

Our short-term loans are intended solely to help to manage unexpected expenses. If you are struggling with a long-term financial issue or need help paying off pre-existing debt, then there may be cheaper, more suitable options available to you.

Does Uncle Buck Offer Guaranteed Loans for Bad Credit?

At Uncle Buck, we don’t provide guaranteed loans for bad credit. We do, however, offer short-term loans for bad credit subject to approval. This allows us to lend to those who may be struggling with a bad credit rating, but who can demonstrate they can afford a loan and repay without undue difficulty.

Alongside offering payday loans for bad credit, we also provide several other benefits to our customers.

  • No Guarantor Loans: Don’t let the lack of a guarantor stop you from applying for a short-term loan. At Uncle Buck, we offer no guarantor loans, so there’s no need for a family member or friend to help secure your money.
  • Simple Online Applications: Whether on mobile, tablet or desktop, with our simple online application process, you can apply wherever you might be.
  • UK-based Customer Service Team: Our friendly customer service team are here to answer any questions you may have about our loans.

Guaranteed Payday Loans for Bad Credit Debit Card Being Offered

Can I Apply for Guaranteed Payday Loans for Bad Credit?

If you are looking to apply for guaranteed payday loans for bad credit with Uncle Buck, then, unfortunately, we cannot help you. However, if you’re looking to apply for a straightforward, hassle-free short-term loan to cover an unexpected expense, then you’re at the right place.

To be approved a loan with Uncle Buck, we first must carry out the relevant affordability and creditworthiness checks. These checks require us to ask some questions regarding your:

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

To be eligible for an Uncle Buck loan, all applicants must also fulfil the following criteria:

  • 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 be in or anticipating entering debt management, an 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 call? Then our UK-based customer service team available on 01959 543400 during our opening hours of Monday to Friday, 08:00 to 20:00 and on Saturdays from 09:00 – 17:00 can help.