Fast Cash, Same Day Transfer, Borrow up to £5,000 for Any Purpose Today

Uncle Buck is all about quick cash. Our customers do not have time to wait around for long, drawn out loan approval, slow transfers, and restrictive lending. We understand this, that is why we offer a same day loan service for amounts up to £5,000 for any purpose. This is what our customers demand of us, and we like to deliver. Our application and approval processes are second to none and our lending partners are primed to get you the funds you need immediately. And better still, all the above can be completed entirely online and in less than 5 minutes. No fees, no paperwork, no jargon. Just straight forward lending.

High Approval & Acceptance

Here at Uncle Buck, we believe our lender network is what sets us apart from the competition. We are partnered with over 20 UK based, FCA approved lenders and all of them specialise in helping those with less than perfect credit. This affords us a high approval and acceptance rating as our partners often look beyond traditional credit scoring mechanisms when determining the creditworthiness of a particular applicant. We also offer instant, on screen decisions. So you will know if you have been accepted within minutes.

How much would you like to borrow?

Representative Example: Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Representative APR: 79.5% (variable).

Quick and Easy Online Application

Applying for a same day loan via Uncle Buck is simple. To begin, just head over to our web based application form. This form has been designed in house and requests only the most basic information for our partners to determine eligibility and affordability. You will be required to provide your name, address, and contact information plus some basic information regarding your income and expenditure. This will be used to assess affordability. In addition, you will be required to provide your UK bank account details. This is simply to allow the funds to be transferred to you direct. Often on the same day you apply.

Common Types of Same Day Loans

If you’re looking to borrow money online and wish to receive the funds on the same day you apply, there are several options to consider. In terms of the service and specifics of the agreement, the loans differ in name only. All the below offer the same amounts, terms, interest rates and usage options.

Payday Loans: Originally this was a 1 month loan designed to be repaid when your next pay cheque lands. However, due to borrowers struggling to make repayments in such a short space of time, the FCA introduced new rules allowing this type of loan to be repaid over a significantly longer period. You’ll find that most payday lenders now allow their loans to be repaid over a 36 month / 3 year term. The same goes for Uncle Buck.

Short Term Loans: This type of loan is designed to be repaid over a 6 month to 12 month term. Like with payday loans, they’re typically considered to be for any purpose and are often transferred same day. The repayment terms and interest rates are often on par with other same day loan types.

Guarantor Loans: A guarantor loan is backed by an individual acting as a guarantor on the debt. This means that if you’re unable to repay your loan (for whatever reason), the burden will fall on the guarantor you designated. We do not offer guarantor loans at Uncle Buck. All our loans are considered no guarantor which means that it’s the sole applicant who is considered for approval.

Bad Credit Loans: The majority of bad credit loans are often paid out to applicants’ same day. Most people who utilise such a service need cash in a hurry and often struggle to get approval elsewhere. Lenders and brokers alike understand this and endeavour to get the money transferred in a speedy fashion.

Get Cash Same Day – Even with Bad Credit

Uncle Buck specialises in helping those with a bad credit score get access to short term credit in a safe, fair, and responsible manner. We believe that credit should be available for everyone. Particularly those who need it most. The good news is that same day loans are 100% available to those with bad credit. We’re partnered with lenders who specialise in the very same. Lenders who understand the importance of getting money to those who need it for emergencies. Below we’ll look at what makes a bad credit score in the hope of helping you improve yours.

Understanding Bad / Poor Credit

First and foremost. It’s important to understand that there is a fundamental difference between bad credit and no credit. Bad credit is something that generate because of your handling of historic financial responsibilities whereas no credit simply means that you’ve not yet taken on any credit yet to prove your trustworthiness to a would be lender. This is particularly common for those who have never taken on a loan or credit card or even students.

A bad credit score is typically generated because of the following. By addressing some of the points below you can start improving your credit score almost immediately. A high credit score will open a lot of doors allowing access to more financial products, often with easier approval and more attractive terms.

  • Historic late or missed payments.
  • Active debt solutions e.g. management plans, relief orders, insolvency or even bankruptcy./li>
  • Lack of entry on the Electoral Register./li>
  • Lack of existing credit./li>
  • High credit to debt utilisation e.g. lots of debt and being close to the agreed limits./li>
  • Unsatisfied accounts. Loans, cards, overdrafts you thought were cleared etc./li>

Credit Checking / Scoring & Reporting

Some applicants come to us looking for same day loans with no credit check as they’re worried that their credit score will dampen their likelihood of being accepted for a loan. And whilst a bad credit score can be a limiting factor, affordability is more important. Secondly, when it comes to no credit check loans, they don’t technically exist. All FCA authorised UK lenders must perform a credit check on their applicants. This is the pillar of responsible lending – something all our partners vigorously champion. Those who claim to offer same day loans without a credit check are often referring to the soft search (which we also apply). It is still a check but doesn’t leave a record.

But it is also important to remember that being credit checked is a good thing for both you as an applicant and the lender. Borrowing more than you can afford to safely pay back is the leading cause of debt related issues. Our lenders do not want to lend you money which is going to send you into a debt spiral. It is also worth noting that taking on credit in the past is seen as a good thing by lenders assuming that you’re successfully servicing it. Try looking at your credit report via one of the main credit reference agencies such as Experian or Equifax. You may be pleasantly surprised how high your credit score really is.

Same Day Loans Offer a Range of Benefits for Those Needing Cash Now

If you’re in need of money in a hurry, particularly today. A same day loan is the only real option. But that isn’t a bad thing. When it comes to suitability a same day cash loan is often the best loan product on the market for those who need a small amount of quick cash to tide them over. Here are some benefits that come with same day loans that you may not find with similar, more traditional loans.

The Benefits of Same Day Loans

  • Fast application and instant approval.
  • Quick, same day fund transfers.
  • No fees, paperwork, phone calls or additional verification.
  • No proof of income and expenditure required.
  • Cash considered for any purpose.
  • Flexible borrowing amounts and terms.
  • Bad, poor, or low credit scores accepted.
  • Less stringent credit checks.

Why Use Uncle Buck?

  • High Acceptance
  • Easy Application
  • Quick Decision
  • £5,000 Loans
  • Responsible Lenders
  • Repay Over 36 Months
  • No Hassle
  • No Guarantor
  • No Hidden Fees
  • No Paperwork
  • No Phone Calls
  • No Delays
  • UK Based
  • Poor Credit OK
  • Reputable Lenders
  • Established Broker
  • Fair Treatment
  • Instant Transfer

Instant Transfer – Is It Still Possible?

People want their money, and they want it now! Particularly those applying for same day loans online. Fortunately, we understand this. And so do our lending partners. That is why here at Buck we’ll do everything in our power to get you the funds same day. But alas, delays do happen, and transfers are not always instant. Below we’ll explain how the process works.

Bank Transfer Timing & Faster Payment System

Most delays when it comes to same day transfers are caused by the banks themselves. Typically banks process transactions at regular accounting intervals throughout the working day. Even banks that utilise the UK’s Faster Payment System can see funds delayed by up to 2 hours. Funds sent during the evening and weekends are often processed the following day also. So even if you are approved for a loan same day, you may not receive the money until the following day. Please keep this in mind if you need cash urgently as even though we offer a near instant approval and transfer initiation, it may still get held up elsewhere.

Lender Transfers

Each lender Uncle Buck partners with have their own internal policies regarding loan transfers. Essentially, all same day loan transfers are performed at the lender’s discretion. If you’re applying Monday – Friday, within regular working hours there is a high chance that you will receive the funds direct to your bank account within the same working day. However, if you apply late into the evening, over the weekend or even on a public holiday, it may be delayed until the following working day. Loan applications, decisions and approvals however are all made same day. Sometimes in as little as 5 minutes from the start of your loan application.

Same Days Loans with No Guarantors

Uncle Buck offer a no guarantor loans service. This means that all the loan products offered on UncleBuck.co.uk do not require a guarantor of any kind. It is only the application of the individual applying that will be considered. This also means that in the unlikely event of a decline, you will not be able to put forward an individual to guarantee the loan on your behalf. This is common practice in the same day loans arena as loans requiring guarantors can sometimes take longer to process than same day loans.

Our network partners use affordability as a primary metric during the approval process. So even if you have a bad credit history, it will be your current income and outgoings that are considered also. So you may think you need a guarantor when you really do not.

Direct Lender Loans Vs Same Day Loan Brokers

For those looking to borrow cash online via a same day loan service, you typically have two options. You can either find a direct lender that offers same day loans or apply via a broker such as Uncle Book who uses software and technology to “shop around” for the best deal for you. There are benefits with either option plus also some myths and untruths that we’d like to clarify also. Below we’ll run through each so you can make an educated and informed decision.

Short term Loans from Direct Lenders

Those looking to borrow direct from a lender often do so as they think they’ll get a better deal directly. Some specifically seek out “no brokers” in doing so. And whilst on occasion, sometimes lenders do incentivise direct applications it is often a huge trade off due to the limitations in having one sole lender review your application. Particularly if you suffer from a poor credit. Some also believe that by going direct the interest charges accrued will be lower than via a broker. This is simply not true. The loan products are typically identical, regardless of how you apply.

Loan Brokerage Benefits

The obvious benefit of using a loan broker is the sheer number of lenders your application will be proposed to. Thus significantly improving your chances of acceptance and approval. Some may consider this coming at a cost due to excessive credit checks and such, but that is not the case at Uncle Buck. Our lenders only perform a soft search during the application process. And this type of check does not leave a lasting mark on your report. There are also no charges or fees on the part of the applicant when using a broker as any referral commission is generated, is at the cost of the lender, not the applicant.

Debt Help, Management and Guidance

Most of us carry some form of debt. Be it loans, credit cards or mortgages. It’s a necessary part of life but must be utilised correctly and responsibly. Some people however find the handling of debt a challenge. Whether it being unable to effectively service repayment or becoming inundated with uncontrollable and often unmanageable fees and penalties. Whatever the situation, it’s important to get the right advice first and foremost and then put the steps in place to ultimately resolve the issue.

Below we’ve listed several free resources, charities and government backed initiatives that specialise in helping those in debt. All boast a wealth of free resources for you to utilise as you see fit and some offer direct assistance in the management and resolution of your debt related struggles. You can also find time specific guidance on current issues such as COVID-19, cost of living and the energy crisis.

Free Debt Resources

Apply Now

How much would you like to borrow?

Representative Example: Rates from 49.9% APR to max 1333% APR. Minimum loan length is 1 month. Maximum loan length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

Uncle Buck is a registered trading name of Chojin Ltd. Chojin Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 732880. Licensed by the Information Commissioners Office (registration number ZA214952).

Chojin Ltd is registered in England and Wales (Company number 07339611), with a registered office located at 241 Highland Drive, Loughborough, Leicestershire, LE11 2QF.