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

Are you looking for payday loan lenders not brokers? Then Uncle Buck can help. As a direct lender, we offer short-term loans without any hidden fees, and you only have to deal with us.

So if you need help with an unexpected expense but don’t want the hassle of a broker, a short-term loan from Uncle Buck could be the solution.

Why choose a payday lender over a broker?

  • No hidden fees
  • A single point of contact
  • Clear and transparent charges
  • A straightforward application process
  • Information not passed on to other lenders (without your express consent)
  • A quick loan decision
  • Cash into your account without delay if accepted
  • Authorised and regulated by the Financial Conduct Authority

Payday Lenders Not Brokers No Credit Checks

payday loans from the sofa no brokers needed

As we are payday loan lenders not brokers, we will try and fund the loan you are looking for.  However, if we are unable to do so, we may share your personal information with other credit brokers to assist with your search for a loan or where we have your consent to do so.

Being the single point of contact also allows us to transfer you your money without unnecessary delay, which can be invaluable during an unexpected emergency.

If you are searching for ‘payday lenders not brokers no credit checks’ then, unfortunately, we cannot help you. As a responsible lender we will check your credit file as part of our decision-making process before deciding if we can lend money to you.

New Payday Lenders Not Brokers

Looking to apply for a short-term loan? Then we can help. To apply, we ask that you complete our online application by answering a few questions regarding your employment, residency, income and expenditure along with your banking details. Once we have your relevant information, we can run the required affordability and credit checks to establish your suitability for an Uncle Buck loan.

We also ask that all applicants ensure they fulfil the following criteria before applying:

  • Are over the age of 18
  • Are a UK resident
  • Are in employment
  • Have a UK bank account into which a 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

Payday Loan Lenders Not Brokers for Bad Credit

When you apply for a loan with Uncle Buck, you could enjoy a number of benefits including:

  • Payday lenders not brokers bad credit: At Uncle Buck, you could be accepted for a loan regardless of whether or not you have bad credit.
  • No guarantor required: A loan from Uncle Buck doesn’t need a guarantor, so you can apply without having to ask for help securing your money.
  • Apply online: Our short-term loans can be applied for on mobile, tablet and desktop, so you can get a hold of cash wherever you might be.
  • Straightforward applications: Our application process is designed to be as simple as possible, so you can apply without having to deal with any unnecessary delay.
  • UK-based support: Our friendly UK-based customer support team are on hand to answer any questions you may have about our loans.

While such advantages could be available with whomever you borrow from, when you apply with payday lenders not brokers, if we are unable to fund the loan you are looking for your details will not be passed to a third party unless you consent to this or we have legitimate interests to do so.  This passing on of your information can lead to more credit searches being carried out and multiple contact attempts being made from other lenders.

At Uncle Buck, we offer short-term loans designed to help cover short-term financial emergencies. Our loans should never be used to manage long-term financial problems or to pay-off pre-existing debt. If you want a loan for a longer period of time then you may be able to access cheaper credit elsewhere.

We’ve been offering short-term 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, you can contact us at

Prefer to speak with a member of our friendly UK-based customer service team? Then call today on 01959 543 400. We are open Monday to Friday, 08:00 to 20:00 and on Saturdays from 09:00 – 17:00.