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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

Searching for a UK-based direct lender to help with managing an emergency expense? Then Uncle Buck can help. We offer short-term loans to customers from across the UK to try and help them quickly resolve their unplanned-for problems without having to deal with longer-term applications.

Quick Online Loans UK

Whether it’s the car requiring urgent repairs or a dentist’s bill you weren’t quite expecting, we’ve all had an unexpected expense strike at some stage in our lives.

Paying off these costs can be an annoyance but when it puts a severe strain on your finances until your next payday, what can you do?

You could consider cutting out any unnecessary expenses and struggle on for the rest of the month, or you could apply for a short-term loan to help cover the costs.

Often available the very same day you apply, a short-term loan makes for a quicker alternative to the traditional bank loan. Whilst considered an expensive “high cost credit” option, these short-term loans are usually for relatively low amounts and designed to be paid back over a matter of months rather than years.

Best Loans UK

At Uncle Buck, we’re a direct lender, which means when you apply for one of our loans, you borrow directly from us. This relationship allows us to act as your single point of contact throughout the loan process, so there’s no worry over having your details passed on to other lenders (unless we are unable to lend to you but you still give us permission to share your details to help facilitate your application).

So if you’re looking to apply for a loan of up to £1000 for either a four or six month period, Uncle Buck can help. When you borrow with us, we ensure that all our costs are clear and transparent, so there are no nasty surprise fees.  To find out how much you could apply for, use the online calculator available at the top of this page.

Our loans are intended for managing short-term cash flows. They are not designed for paying off pre-existing debt or for long-term financial issues. If you need another form of finance, then there may be cheaper, more suitable options available to you.  We report payment information including missed payments to credit reference agencies which may make getting credit more difficult in the future if you do not make repayments on time.

Loans UK Calculator and Pen

Bad Credit Loans UK

Looking to apply for a short-term loan but worried that your poor credit score might prevent you from being approved? Then try Uncle Buck.

At Uncle Buck, we like to take a wider view of your financial circumstances. We understand that a credit rating is not always a fair representation of who you are as a borrower, which is why we offer loans for bad credit. This allows for those who can genuinely afford our loans to apply without being denied purely on their borrowing history.

Alongside considering UK applicants with bad credit, we also offer benefits, including:

  • No Guarantor Loans: While some lenders require you to have a guarantor when you apply for a loan, at Uncle Buck we are different. We know having to ask family or friends to secure your loan can be a hassle, which is why there’s no need for a guarantor when you apply with us.
  • Online Application Process: Whether at home or on the go, with our online applications available on mobile, tablet and desktop, you can always apply at a time convenient for you.
  • UK-Based Customer Support: Need help regarding our loans? Then our friendly UK-based customer service team are here to help.

Apply for UK Loans

Interested in applying for an Uncle Buck UK loan today? It’s never been easier than with our online application process. First, we ask that you fulfil the following criteria to ensure your eligibility:

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

If you fulfil the above criteria, you could be approved a UK loan by merely answering a number of questions covering your:

  • Identity
  • Current Employment
  • Residential Status
  • Income
  • Expenditure
  • Banking Details

Answering these questions allows us to carry out the required affordability and creditworthiness checks to see whether an Uncle Buck loan might work for you.

At Uncle Buck, we’ve been offering UK 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, 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.