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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

Unexpected emergencies, such as urgent car repairs or a broken-down boiler, are all a part of life, but if you can’t quite afford the expense, what can you do? Applying for a short-term loan could be a suitable solution, but when you’re suffering from bad credit or lack a guarantor, it can be tricky getting approval.

Here at Uncle Buck, we aim to help by offering loans for bad credit so you can resolve your issues and get on with the rest of your day.

Loans for Bad Credit No Guarantor No Fees Direct Lender

Designed to help manage unexpected expenses until your next payday arrives, our short-term loans could see you resolve your current financial issue without unnecessary delay. Our loans are available for periods of either four or six months, and new customers could borrow up to £1000 to help with an unexpected expense.

Our loans are not however intended to cover long-term financial costs or to help pay off pre-existing debt or suitable if you are in financial difficulty.  There may be other, cheaper, more suitable options available to you.

Loans for Bad Credit No Guarantor UK

When you apply for a short-term loan with Uncle Buck, you can take advantage of a number of great benefits, such as:

Loans for Bad Credit: Don’t let bad credit stand in your way of being approved a loan. At Uncle Buck, we prefer to lend dependent on whether a loan works as an affordable option for you rather than on your previous borrowing history.

No Guarantor Loans: With Uncle Buck, there’s no need for a guarantor, which means there’s no troubling family or friends to help secure your money.

Convenient Application Process: Whether at home or on the go, you can apply for a loan at a time convenient to you with our online applications on mobile, tablet and desktop.

Hassle Free: Don’t waste your time waiting around for approval. With our straightforward application decision, there’s no unnecessary delay, so you could resolve your current cash crisis the very same day.

Friendly, UK-based Customer Service: Here for you when you need us, our friendly, UK-based customer support team are on hand to answer any questions you may have about our loans.

Loans for Bad Credit No Guarantor Calculator Pen and Notes

Apply for Loans for Bad Credit No Guarantor

Looking to be approved an Uncle Buck loan today? Ensure your eligibility by checking our required applicant criteria:

  • Over the age of 18
  • In employment
  • A UK resident
  • Have a UK bank account into which your salary is paid
  • Have a valid email address and a working mobile phone
  • Not currently be in or anticipating entering a debt management plan, Individual Voluntary Arrangement or under any bankruptcy proceedings.

Applicants who fulfil the above criteria could be approved for an Uncle Buck loan dependent on the relevant affordability and credit checks. To ensure we get the right information, we simply ask a number of questions covering:

  • Your identity
  • Your current employment
  • Residency status
  • Income
  • Expenditure

These questions allow us to run the necessary affordability and credit checks to try and ensure that an Uncle Buck loan works as a suitable option for you.

At Uncle Buck, we’ve been offering loans since 2004 to borrowers from across the UK. To apply for one of our loans today, click the Apply Now button.

If you have any questions regarding our loans for bad credit no guarantor, 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.