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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

Struggling to cover that unexpected expense? You could try hanging on until your next payday to cover the costs, or you could apply for a payday loan to help manage the issue today.

So before you go ahead and apply for a loan, our guide to Money Lenders can help to ensure that you have a clearer understanding of the process.

Money Lenders Meaning

It’s not uncommon to have questions when considering a loan with a money lender. So to help, we’ve answered a number of common questions below:

What are Money Lenders?

Money lenders are essentially a business or organisation, such as a direct lender or a bank, who lends money to another. This money, or loan, is often offered for a set period of time with the intention of it being paid back with interest.

How do Money Lenders Work?

Money lenders typically work by offering a loan to an individual or business. These loans can be offered for a range of things and for a varied amount of time. Such loans will often have clear repayment dates with the interest accrued during the length of the loan calculated alongside.

Money Lenders Coins

Are Money Lenders Legal?

Money lenders are legal, but to be so, they must be authorised by the Financial Conduct Authority (FCA). An exception to this rule would be if you were to borrow money from a family member or friend.

Do Money Lenders Consider those with Bad Credit Scores?

While some money lenders might reject you for having a bad credit rating, there are still many who are happy to consider your application even despite your score. At Uncle Buck, we prefer to look at the current affordability of the loan rather than just your credit score when it comes to who we lend to. We want our customers to be able to repay what they owe without negatively affecting their financial circumstances. We look at each request individually and will only offer a loan if doing so meets our obligations as a responsible lender.

How do I Know if I Can Borrow with a Direct Money Lender?

Every money lender will require that you fulfil specific criteria before borrowing. These criteria will often vary depending on the lender, but they will all require that you meet the relevant affordability and creditworthiness checks.

How Much Can I Borrow with a UK Money Lender?

When it comes to how much you can borrow, the amount will depend entirely on the lender’s credit limits. Here at Uncle Buck, we offer money loans for amounts of up to £1000 to help with covering the costs of an emergency expense. Our loans are intended to manage short-term cash flows. If you require help with a long-term expense or pre-existing debt, then there may be cheaper, more suitable options available to you.

Direct Money Lenders

As a direct money lender, all of our short-term loans come straight from us, so you know exactly who to turn to should you have a problem.  If we are unable to lend to you, then we can try and find an alternative lender if you permit us to do so.

Money Lenders UK

Offering short-term, unsecured loans to help manage unexpected expenses, Uncle Buck could provide you with a straightforward solution to resolve your current cash crisis.

If approved for a loan with Uncle Buck, you could:

  • Apply for an amount of up to £1000
  • Borrow for either a four or six month period
  • Repay your loan in accordance with your pay frequency

To apply for a payday loan with Uncle Buck, we first must ensure your eligibility. We require all applicants to:

  • Be over the age of 18
  • A UK resident
  • In employment
  • Hold a UK bank account into which their salary is paid
  • Own a working mobile phone and have a valid email address
  • Not currently be in or expecting to enter debt management, an Individual Voluntary Arrangement plan or any bankruptcy proceedings

If you fulfil our eligibility requirements, then you could be approved an Uncle Buck loan simply by completing our online application form. To ensure we only lend to those who can afford our loans, we ask you questions regarding your identity, residency, employment, income and expenditure. These questions allow us to run the required affordability and creditworthiness checks to help us try and determine whether a loan would be a suitable option for you. We will also ask you about your banking details to ensure that if approved, you receive your money in a quick and timely manner.

At Uncle Buck, we’ve been offering short-term loans since 2004 to borrowers from across the UK. If you are interested in applying for a loan with a UK money lender 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 on 01959 543 400. We are open Monday to Friday, 08:00 to 20:00 and on Saturdays from 09:00 – 17:00.