Apply Online Now!


Representative Example

Loan Amount (for 4 months)
Three Repayments of
One Final Repayment of
Total Repayment
Interest Rate
292% pa (fixed)
1244.0% APR

Turned down for a short-term loan due to a bad credit rating? We know it can make things difficult, that’s why at Uncle Buck, we offer bad credit loans for managing unexpected costs. So the next time the boiler suddenly breaks down or an unexpected dentist’s bill arrives, we could try and help with a loan of up to a £1000.

Best Loans for Bad Credit UK   

Here at Uncle Buck, we believe that your credit score is not always a fair representation of who you are as a borrower. So when you apply for one of our short-term instalment loans, we prefer to look at the loan’s affordability to your current circumstances rather than just your credit score.

At Uncle Buck, we offer loans for bad credit designed for managing short-term cash flows. Our loans are not intended for long-term expenses or for paying off pre-existing debt. If you require help for another form of expense, then there may be cheaper, more suitable options available to you. Late repayments may incur additional fees and interest and missed payments are reported to credit reference agencies where these records may be seen by other lenders.

Loans for Bad Credit Individual using Mobile and Laptop

Loans for Bad Credit No Guarantor UK

Happy to have found a loan for bad credit option but worried that the lack of a guarantor might be an issue?

That’s not a problem either, as here at Uncle Buck we don’t require a guarantor when you apply for one of our bad credit loans. Which means you don’t have to worry about asking a family member or friend to help secure your money.

Fast Loans for Bad Credit UK

Considering an Uncle Buck loan today? Then you could enjoy benefits including:

  • No Unnecessary Delay: There’s no waiting around with an Uncle Buck loan, as successful applicants could have their money transferred to their account in as little as 15 minutes if approved.
  • Hassle-Free Application Process: Complete your application at a time convenient for you with our online application process. Available on mobile, tablet and desktop, our straightforward applications let you apply whether at home or on the go.
  • UK-based Customer Support: Questions about our loans for bad credit? Then our friendly customer service team are happy to help.

Apply for Bad Credit UK Loans Now!

Don’t let a less than perfect credit score stop you from being approved a loan when you need it most. If you’re interested in applying for a loan today, then we can try to help. To be considered, first ensure that you fulfil the following criteria:

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

If you fulfil our required criteria, you could be approved a loan simply by answering a number of questions based on your:

  • Identity
  • Current employment
  • Residential status
  • Income
  • Expenditure
  • Banking details

Once we have all the necessary details required, we can run the relevant affordability and creditworthiness checks to try and ensure that an Uncle Buck loan works for you.

At Uncle Buck, we’ve been offering short-term loans since 2004 to borrowers from across the UK. To apply for a loan today, click the Apply Now button.

If you have any questions regarding our loans for bad credit, 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.