A bad credit loan is essentially a short-term small loan designed for those with a poor credit rating. Such a loan will often be for a relatively small amount but with a higher interest rate and often with a repayment schedule set out over a shorter period.


Applying for a short-term loan with poor borrowing history can be daunting, but it shouldn’t be a barrier when you need short-term cash in an emergency. The answer could be in a bad credit loan, a loan designed to help you out when you need it most regardless of your credit history. Moreover, an application with Uncle Buck will not affect your credit score unless you are provisionally approved.

Applying for Small loan with bad credit

Small Loans for People with Bad Credit

Getting to grips with your credit rating and understanding what a bad credit loan is will help in seeing whether it could be the right option for you when it comes to borrowing.

Firstly, a credit rating is a score given to you dependent on your previous lending history that considers such things as late repayments on past loans or simply paying your bills on time, which are then calculated into a rating, or score. A higher credit score often indicates that the borrower is more reliable, and therefore, a more attractive option for taking out a loan.

As such, those with a lower, or poor, credit rating are often seen as more of a risk, however, there is no set score for whom a lender will, or won’t, lend to.

Poor Credit Loans

At Uncle Buck, we believe that your credit rating is not always a fair representation of your lending history. We don’t simply look at your credit score. Instead, we look at whether the loan is affordable for you, as well as taking into account a number of criteria including whether you are currently in employment and a UK resident.

We pride ourselves on our excellent customer service skills that stand us above our nearest competitors. We invest fully in the training and development of our staff, while we also review, and act upon, the feedback that we receive to ensure we continue to offer the best service possible.

Apply for a Small Bad Credit Loan Now

At Uncle Buck, we don’t discriminate against those with bad credit history. Applying for an Uncle Buck short-term loan will depend on several factors, including affordability and credit checks, which allow us to determine if the loan will be suitable and affordable for your short-term cash flow crisis.

Those who fit the following criteria may be considered for an Uncle Buck loan dependent on affordability and credit checks:

  • In employment
  • A UK resident
  • Over the age of 18
  • A valid bank account into which their salary is paid
  • A valid email and mobile phone number
  • Not currently in debt management, individual voluntary arrangement or under any bankruptcy proceedings

Our straightforward small loans application is completely online, though we may need to call to confirm some details. All that we require is basic information regarding your employment, address and banking details before we can run the relevant credit and affordability checks to see if you may be suitable for an Uncle Buck loan. Once your application has been accepted and completed, your money could be transferred to your account within 15 minutes.

Our loans are designed for short-term use only and shouldn’t be used to manage existing debt. There may be other, cheaper, or more suitable, forms of credit available that meet your needs at this time.

At Uncle Buck, we pride ourselves on our commitment to providing fair and transparent loans alongside excellent customer service.

To be considered, simply click the Apply Now button at the top of this page to see if an Uncle Buck short-term loan is an affordable option for you.

For further information please contact us at info@unclebuck.tv or contact our friendly UK-based customer service team on 01959 543400. Our friendly team is available Monday to Friday, 08:00 to 20:00 and on Saturdays from 09:00 – 17:00.