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My Repayment

Amount borrowed
Total Repayment Amount
Monthly Repayment
No. of Repayments

Representative Example

Loan Amount (for 4 months)
three Repayments of
One Final Repayment of
Total Repayment
Interest Rate
292% pa (fixed)
1249.0% APR

Payday Loans – Online Application

Our Payday loan application is 100% online and customers can apply easily using the apply now button above. The application form has been designed to allow easy completion on desktop, mobile or tablet devices and only takes a few minutes when you apply for a payday loan online with Uncle Buck.

You will be asked some basic questions regarding your residential status, employment, income, outgoings and bank account details so we know where to send the money to. Our website is hosted on a secure server so that your personal details will be kept safe & secure when you apply for payday loans online with us.

Once you have filled in the details, we will carry out some checks and provide you with an instant decision to let you know if your Payday loan has been provisionally funded or not. Our payday loan checks may be quick, but they are also very thorough, ensuring that any loan meets our responsible lending criteria & affordability checks.

During the application process, we provide you with pre-contractual information that highlights the key features of your Payday loan, including how much it costs, the loan term, how we collect your repayments and what happens if you cannot meet repayments. We ask you to read and consider this information carefully. To approve the agreement, we will ask you to electronically sign the document online or by using an email link sent to your email address and PIN code sent to you by SMS.

Once confirmed, we may carry out some final checks including a phone call, but provided that we are happy with everything, we can typically transfer the funds to your debit account within 15 minutes if your bank accepts faster payments.

Lending Criteria

To be eligible for a Payday loan with Uncle Buck, applicants must meet the following criteria:

  • Over 18 years of age
  • UK resident
  • In employment
  • Valid debit card
  • Your salary is paid into your bank account
  • Working email address and mobile phone
  • Not currently in debt management, individual voluntary arrangement or under any bankruptcy proceedings.
  • Agree to a credit check

For more information, visit our help and support section.

Our Charges

To be fully transparent, the cost of a Payday loan with Uncle Buck is clearly shown on our loans calculator and in the documentation, you receive prior to funding your loan.

As a payday loans direct lender, our rates are in accordance with the Financial Conduct Authority’s (FCA) price cap regulations as interest is capped at 0.8% per day, default fees are capped at £15 and the total interest and fees charged on a loan can never exceed double the amount borrowed.

If your payment is still outstanding after 3 days, we may charge you a missed payment fee on the first missed instalment. This helps to cover the cost of our agents trying to contact you by phone and other means. In addition, you may be charged default interest on the outstanding principal at the fixed flat rate as shown in your loan agreement, subject to the application of the rate cap.

Representative Example: Borrow £250 over 4 months with three repayments of £94.71 and a final repayment of £91.19 totalling £375.32. The interest rate is 292% pa (fixed). Representative 1249.0% APR.

Although we want to offer loans with low APR as a payday loans direct lender, which makes it simpler to compare our loans with other products, the rate is calculated as though the loan is taken out for an entire year.

Since Payday loans only last for a short term, it is multiplied several times and that is why the representative APR seems very high at 1249.0%. For a more accurate cost of the loan, we encourage you to use the repayment examples and calculators we have provided.

How Much Can You Borrow

First time borrowing for new customers is limited to £500. Customers who have borrowed from us before and have successfully repaid their Payday loan, may be able to borrow higher amounts, possibly up to £1,000, provided that they meet the criteria and pass the relevant checks.

The amount you can borrow will be based on the credit and affordability checks that are carried out during the application process. We need to ensure that you can afford a payday loan, and that this will not lead to financial difficulty.

Therefore, by getting an idea of your credit history, income and expenses, this will allow us to determine whether you are eligible for a Payday loan with Uncle Buck and find an amount that suits your requirements.

Easily apply for a payday loan online with Uncle Buck

Early Repayment of a Payday Loan

If you wish to repay your Payday loan early, you have a legal right to do so. You will not be charged any early exit fees and you will only be charged the current balance, saving you money on your Payday loan. You can clear your account early at any time and can arrange this by calling or emailing our customer services team.

Responsible Payday Loans

We are committed to treating our customers fairly and always put our customers at the heart of our business and everything we do. We invest a lot of time in training and developing our people, so you can be reassured they will listen to your query regarding our payday loans and respond appropriately. We continually review the feedback we receive and act on this, so we are confident of giving our customers what they want in the payday loan products we offer. Our complaints procedure is easily accessible on our website and made available to customers at the point of sale should anyone be dissatisfied with the service they have received.

We are members of the CFA and uphold the Good Practice Customer Charter and Addendum to Code of Practice. This Charter gives you, the customer, enhanced protections over and above those required in law and our abidance of the Charter demonstrates that we are a responsible payday loans direct lender.

Our loans are for short term use only and shouldn’t be used to manage existing debt.