An instalment loan from Uncle Buck allows you to apply to borrow up to £1,000 and repay in flexible monthly instalments. Our application is completely online and provided that you meet our credit and affordability checks, we can transfer the funds to your bank account on the same day usually within 15 minutes of approval.

Instalments loans are typically used to pay for an unexpected emergency or expenses such as broken boilers and car repairs. The money is sent to your account in one lump sum and is designed to help you pay for your immediate expense and give you the breathing space and flexibility to make smaller, affordable repayments over a longer period of time.

The Advantages of Instalment Loans

  • Flexibility: Applying with an instalment lender can give you greater flexibility than a standard payday loan. The latter requires you to borrow money and then repay the entire loan and interest on your next pay date, however, this can put a strain on your finances to come up with the funds so quickly. Fortunately, instalment products give you the option to stagger repayments over a longer period of time so that you can get your cash flow in order.
  • Control: You are in control of the loan that you are applying for: choose how much you wish to borrow, for how long and the dates when you are paid. We ask customers to select their pay date from work so that they will have money in their account available for collection. You have the additional control knowing that you can always repay your loan early if you are in the position to do so and you may be entitled to a rebate of interest.
  • Speed: When you have an emergency, sometimes you cannot afford to wait several days for a loan to come through or your next wage slip to be paid. With our application form only taking a few minutes to complete and our aim to carry out the necessary checks and complete your loan on the same day, you can get the finance quickly to resolve your emergency if your loan is approved.

How to Apply

Our application form can be submitted online and is available on desktop, tablet and mobile. You will be asked to fill in a few details about yourself, income, employment and expenses.

Our website is hosted on a secure server so you can have peace of mind knowing that the personal details you provide will be kept safely.

Customers can apply for an instalment loan online 24 hours a day and 7 days a week, including weekends. You will receive a provisional decision straight away and 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 11pm. If your application is approved after 11pm, funds will be sent the following day.

The Criteria For Applying

We require applicants to be at least 18 years old, UK residents, have a valid debit account, email address, mobile number and be in employment and able to make the routine repayments when they fall due. We do not offer loans to those working with a debt management company, under an individual voluntary arrangement or bankruptcy proceedings.

The application allows us to carry out some initial checks which includes credit checking via a credit reference agency that we work with. We use affordability measures to assess your earnings and expenses and consider this with the amount you wish to borrow. For us, it is important that we give you an amount that does not cause financial difficulty.

You will receive a decision in seconds letting you know if you have been provisionally accepted. We will then present you with pre-contract information that provides an overview of your loan arrangement and require you to Esign this using your mobile phone and email address once you have read and considered the terms.

Further to some additional checks, we can get ready to fund your loan. In some cases, we may request further information to support your income and employment and we may require a quick call to you from one of our staff members.

Repay Your Instalment Loan Early

The advantage of taking out an instalment loan is that you can always repay early if you have the income available.

In fact, you are able to repay your loan early at any time, meaning that your entire loan may be cheaper for repaying early. Users can repay early by getting in touch with our customer service team during opening hours.

Why Choose Instalment Loans From Uncle Buck?

Since 2004, we have made a name for ourselves as one of the most trusted and established instalment lenders in the country. We are fully authorised by the Financial Conduct Authority and this highlights our commitment to treating customers fairly and responsible lending.

We always aim for transparency in our products. Customers can clearly see the amount they wish to borrow and amount to repay using our calculator and our repayment examples give a good understanding of how the process and payments work.

We do not charge any upfront fees or arrangements fees nor early exit fees for repaying early. Provided you make your repayments when they fall due, the only thing you pay is the agreed interest which is clearly presented to you in writing beforehand and this is always available to check in the login section of our website for existing customers. Important information about the risks and benefits of our instalment loans are clearly displayed on the website along with information on the costs and charges you may incur if payments are not made on time.

If you have any questions about the product we offer, we have a friendly team of advisors based in Kent, just outside London.

Questions about our instalment loans? Then you can speak to our team by calling 01959 543400 or by emailing us at We are available during our opening hours of Monday to Friday, 08:00 to 20:00 and on Saturdays from 09:00 – 17:00.