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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

A short-term loan can be a convenient method for managing an unexpected expense. However, we know that when it comes to applying for a loan, it’s important that you fully understand the process involved.

To help, we’ve answered several key questions that are important to know before considering an Uncle Buck loan.

How do Loans Work?

Need help with an unexpected expense? A small loan could help you to manage your current circumstances, but before applying, it’s vital to have an idea of how such loans work.

Known by a variety of names, including payday advance loans, same day loans and personal loans; short-term loans are often small, unsecured loans provided by a lender either directly or via a broker. These loans are usually for an agreed upon amount over a fixed period and applied for through a straightforward application process.

When you apply, a lender or broker will require you to complete an application form which allows them to gather the necessary information to run the required affordability and creditworthiness checks.

Here at Uncle Buck, we offer short-term loans to help with managing an unexpected expense. With us, you could:

  • Apply for an amount of up to £1000
  • Borrow for either a four or six month period
  • Repay in instalments in accordance with your pay frequency.

Our loans are intended to help manage short-term cash flows. They are not designed to be used as a long-term borrowing option or as a means of paying off pre-existing debt. If you require help with another form of credit, then there may be cheaper and more-suitable options available to you.  We will not provide 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 to Get a Loan Mobile Notebook Coffee Cup

How to Get a Loan with Bad Credit

We know that looking for loan approval when you have bad credit can often be tricky as many lenders often refuse to lend to those with a poor credit rating.

However, here at Uncle Buck, we don’t believe that a credit score always represents a real picture of who you are as a borrower. So even with a poor credit score, you could still be approved for a bad credit loan as long as it works as an affordable option for you.  We recognise that financial mistakes can happen, and we take a broader view on your overall ability to repay.

Alongside offering our customers loans for bad credit, we also provide other benefits, such as:

No Guarantor Loans: Don’t have a family member or friend to help secure your money? That’s not an issue with our no guarantor loans.

Easy to Understand Applications: Designed for mobile, tablet and desktop use, our online applications allow you to apply wherever you may be.

Friendly Customer Support: Our UK-based customer service team are happy to help with any questions you may have about our loans.

How to Get Approved for a Loan

If you are looking to apply for a loan with Uncle Buck, you must first fulfil the following criteria:

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

If you fulfil the above criteria and wish to apply, we ask a number of questions to allow us to run the relevant affordability and creditworthiness checks. These questions involve your:

  • Identity
  • Residency
  • Employment
  • Income
  • Expenditure
  • Banking details

Why Can’t I Get a Loan?

Being rejected for a loan can be disappointing, but there are many reasons why you might not be approved, including:

  • Not fulfilling the required criteria
  • The repayments on the loan not currently being an affordable option for you
  • You already have a loan from the lender you are applying from
  • You may have applied with the incorrect details
  • A poor or insufficient credit history can also negatively impact upon your chances of approval

However, being rejected for a loan doesn’t mean that you will automatically be rejected again in the future. There are a number of ways you can go about improving your chances of being approved for a loan.

The best way for improving your chances is often by improving your credit score by building up a positive credit history. This can be done in various ways, including efficiently managing bills, paying off all debt in a timely manner and keeping credit applications to a minimum. All show a level of reliability that could help to improve your chances of being approved for a loan in the future.

Will I be Accepted for a Loan?

There is never any guarantee when it comes to being accepted for a loan or not. Though if you fulfil our criteria, and our affordability and creditworthiness checks show your suitability, then you could be approved for a loan with Uncle Buck.

At Uncle Buck, we’ve been offering loans since 2004 to borrowers from across the UK. To apply for a loan today, simply 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.