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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
Whether it’s for urgent dentistry work or the car unexpectedly breaking down, an emergency expense can cause all manner of problems, especially if you can’t quite afford the costs. However, with an instant decision loan from Uncle Buck, you could have the money to resolve your problem the very same day.

Instant Payday Loans

If you are searching for help with an unexpected expense, then a short-term loan from Uncle Buck could help. Available for amounts of up to £1000, our short-term unsecured loans are repayable over a four or six month period. We always try to ensure that you aren’t left waiting around for an answer once you’ve completed your application either, with our instant payday loans approval decision.

Instant Loans Right Away

Instant Loan Approval

When applying for a short-term loan to manage an emergency expense, the priority is often to get the cash you need as soon as possible.

To help, we give all of our applicants an instant loan approval decision as a part of our online process. We require you to complete our online application before we can provide you with an instant loan approval decision, which if approved, could see the money transferred in 15 minutes.

Simply click the Apply Now button at the top of this page to find out whether you could be accepted for an instant decision loan today.

Why Apply for an Instant Loan Approval Today?

Searching for a loan today but unsure of whether to choose a lender who offers an instant loan approval decision?

By offering you an instant loan approval decision, we ensure that you won’t be left waiting around to see if you’ve been approved or not. So you can start resolving your emergency expense without any unnecessary delay.

A loan from Uncle Buck should only ever be used to help with managing a short-term cash flow. Our loans are not intended to be used as long-term financial solutions or for paying off pre-existing debt. If you require help with another form of credit, then there may be cheaper, more suitable options available for your needs.

Why Uncle Buck Instant Loans?

Here at Uncle Buck, we use our extensive experience and knowledge to provide our customers with the best service possible. By choosing us, you can take advantage of a range of benefits including:

  • No Guarantor Loans: Don’t have a family member or friend to help secure your money? That’s not a problem with our no guarantor loans.
  • Loans for Bad Credit: When it comes to who we lend to we prefer to base our decision on who we believe can afford the repayments rather than solely on a credit score.
  • Easy to Understand Online Calculator: Our online calculator allows you to see how much you could borrow with a clear breakdown in the cost to you.
  • Apply When You Want, Where You Want: Our online application form can be completed on mobile, tablet or desktop, so you can apply wherever you might be.
  • A Clear and Understandable Process: Throughout your application, we clearly highlight what is owed and ask that you fully understand all of our terms and conditions.

Apply for an Instant Loan

When applying for an online loan with Uncle Buck, there are a few requirements that must be fulfilled. First, we ask a number of questions regarding your employment, residential status, income and expenditure alongside your banking details to establish whether a loan could work for you.

Alongside these questions, we also ask that you fulfil the following criteria:

  • Are over the age of 18
  • Are a UK resident
  • Are in employment
  • Own a UK bank account into which a salary is paid
  • Have a valid email address and a working mobile phone
  • Not currently be in a debt management plan, individual voluntary arrangement or under any bankruptcy proceedings

Once we’ve taken your relevant details and run an affordability and creditworthiness check, we can give you an instant loan decision regarding your application, which if successful, could see the money transferred to your account within 15 minutes. Our funding times are between 6am and 11pm.  If approved after 11pm, then the funds will be sent the following day.

At Uncle Buck, we’ve been offering fair and transparent online loans since 2004 to borrowers from across the UK. To see whether a loan could be the right option for you, click the Apply Now button at the top of this page.

If you have any questions regarding an Uncle Buck loan, please feel free to email us at

Or, if you would prefer to speak with one of our friendly customer service team, then please 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