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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

Designed to help manage unexpected expenses, payday loans can be a helpful way of covering those unplanned-for costs that you can’t quite afford when they occur. These loans often involve a straightforward application process with successful applicants often receiving their money within a matter of minutes if approved.

If you are considering applying for a payday loan, then it’s essential to understand the process, costs and risks involved.

How Do Payday Loans Work Online?

Offered by direct lenders, online payday loans provide a quick and efficient way of applying for a short-term loan to help resolve your immediate short-term cash crisis. Being online also allows you to apply wherever you might be without affecting your entire day.

When you apply for an online payday loan, you will be required to provide essential details to establish whether you may be suitable for a loan. Once the necessary creditworthiness and affordability checks have been carried out, the lender can often give you a quick decision on whether or not you have been approved.

At Uncle Buck, our payday loans are only available online with applications designed for mobile, tablet and desktop. This allows you to apply at a time most convenient for you, whether that’s at home or on the go.

To find out what an Uncle Buck loan could cost you, use our online calculator available  on the homepage

What are online payday loans intended for?

At Uncle Buck, we provide online payday loans to help manage unexpected short-term cash flows. Our loans are not intended for managing long-term expenses or pre-existing debt.

If you require help with another form of expense, then there may be cheaper, more suitable options available to you.  We will not provide you with a loan if you have told us you are in financial difficulty or the credit assessment indicates that the loan may not be able to be repaid in a sustainable manner.

How do Payday Loans Work Mobile

How Do Our Payday Loans Work?

At Uncle Buck, our online payday loans work much like any other direct lender’s loans. We ask you a number of questions online to gather together the information required to run the relevant affordability and creditworthiness checks. Once these checks have been carried out, we can then give you a decision on whether your application has been successful or not.

We will then present you with our pre-contractual information if our automated checks show that we might be prepared to lend to you. This information provides you with everything you need to know about your loan in advance of you receiving your credit agreement.

Repayments are then collected in either weekly, fortnightly or monthly instalments, dependent on your paydays, over a four or six month period.

These instalment costs and dates are set out as part of your application and your consumer credit agreement, so you always know exactly how much you owe and when.

A price cap ensures you will never have to pay back more than double what you initially borrowed. Missed payments may incur default fees and additional interest; we report payment information to credit reference agencies so other lenders may also see this information.

What information is needed to apply?

When you apply for an Uncle Buck loan, we require a certain amount of information to allow us to run the relevant checks. To obtain this information, we ask a number of questions regarding your:

  • Identity
  • Residency
  • Current employment
  • Income
  • Expenditure
  • Personal banking

How do I know if I am eligible for a payday loan?

To be eligible for an Uncle Buck loan, you must fulfil the following criteria:

  • Be over the age of 18
  • A UK resident
  • In employment
  • Have a UK bank account into which your salary is paid
  • Have a valid email address and a working mobile phone
  • Not currently in or anticipating entering debt management, an individual voluntary arrangement or under any bankruptcy proceedings

Do you offer payday loans for bad credit?

If you are searching for loans for bad credit, then we can try and help. At Uncle Buck, we believe that credit scores don’t always present an accurate picture of your borrowing. Instead, we prefer to lend based on the loan’s affordability to you.

Do you offer no guarantor payday loans?

If you’re looking to apply for a payday loan but don’t have a guarantor to secure your money, then you could still be approved with Uncle Buck.

At Uncle Buck, we’ve been offering short-term loans since 2004 to borrowers from across the UK. Our loans are for intended for short-term use only and should never be used to manage pre-existing debt. If you are looking to apply for one of our loans 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.