How to apply

To apply, complete the online application form and select how much you want to borrow, for how long and when you get paid. You will need to provide your personal and employment details including your net income and monthly expenditure. We will then carry out a credit and affordability check and provide you with an online decision.

Am I eligible to apply for an Uncle Buck loan?

  • You must be aged 18 or over
  • You must be employed and resident in the UK
  • You must have your salary paid directly into your bank account
  • You must have a debit card for this account
  • You need a valid email address and mobile phone that we can text a code to
  • You must confirm that you are not currently signed to or anticipating entering a Debt
    Management Plan, Individual Voluntary Arrangement or a debtor under any bankruptcy proceedings

How long will it take?

If your loan application is approved, you will be provided with pre-contractual information, which you should read and consider before proceeding. This gives you important information about your proposed loan. You will then be provided with your loan agreement – please read this carefully and ensure you understand the terms and conditions displayed (a printable version is available). If you are happy to proceed, sign your loan agreement electronically to proceed with your application from Uncle Buck. If you have any questions about the pre-contractual information or the loan agreement, you can contact us during opening hours by calling 01959 543400. If we need to check more details with you, we will communicate our progress via email and attempt to contact you during opening hours by telephone on the contact numbers provided.

If your loan is approved, the funds will be transferred to your account within 15 minutes. We process payments daily between the hours of 6am to 8pm, so you get access to the funds you need as quickly as possible. If your application is approved after 8pm, funds will be sent the following day.

Please Note

‡ If your application is approved, funds are transmitted every 15 minutes between the hours of 08:00 to midnight 7 days a week! If your bank does not support Faster Payment then funds may take up to 3 days to reach your account

How much can I borrow?

Uncle Buck offers short term loans to customers who wish to borrow up to £1,000. If you are a new customer, we may be able to lend you up to £500, existing customers can apply to borrow up to £1,000. All applications are subject to creditworthiness and affordability assessments. We will assess your ability to afford the loan based on various sources of information including credit bureaux data, electronic income validation and your income and expenditure information. If we consider the requested amount to be too high, we will make an appropriate offer.