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  • Four Weekly
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Monthly Repayments:

Borrow  + Interest
if aproved, monthly payments of
Total to repay

Exact repayment amounts and interest may change slightly subject to your pay date. Exact figures are provided in your loan documentation once your payday information has been input.

What’s APR?
  • Annual percentage rate
  • (APR) is confusing when
  • trying to work out payday
  • loans. APR is the calculation
  • of interest paid on a loan
  • over the course of a year.
  • Not so relevant to payday
  • lending, as we only lend for
  • up to a month.

Representative example;
If you borrowed £300.00 for 86 days you would repay £434.01 in total in 3 equal monthly payments of £144.67. Interest charge £134.01. Interest is 292% pa (fixed). Representative 1308.1% APR

Repayments are assumed at day 23, day 51 and day 86


What is a payday loan?

A payday loan is a small cash advance which is repayable on your next payday – up to 31 days away. The process is fast, convenient and simple. The application process is straightforward and if approved the money can be sent within 15 minutes 24/7*. 

*There is no charge for this service.

Is a payday loan right for me?

Uncle Buck provides a quick solution for one off emergency short term cash requirements.

We understand that you may need emergency cash to pay an unexpected bill, or cope with an expense you may not have anticipated. Whether it’s these or for other reasons, if you need cash urgently, we are here to help you if we can.

The loans have not been designed for dealing with long-term financial difficulties or to provide an ongoing source of funds. If there is a chance you can wait until your next Payday then this type of loan may not be right for you and if you want a loan for a longer period of time then you may be able to access cheaper credit elsewhere.

We will not provide a payday loan if you have told us you are in financial difficulties or the credit assessment indicates that the loan may not be able to be repaid in a sustainable manner.

What can the loan be used for?

A payday loan is simply a cash advance which should only be used as a short-term solution to a financial emergency.

How much can I borrow?

New customers can apply for a payday advance between £75 and £400. Providing you use our service responsibly and make payments on time, existing payday loan customers can apply for a maximum loan amount of £1,000. We will assess your ability to afford the loan based on various sources of information including credit bureaux data, electronic income validation and your income and expenditure information. If we consider the requested amount to be too high we will make an appropriate offer.

What do I need to get a payday loan?

To be eligible for a payday loan from Uncle Buck :

You must be aged 18 or over

You must be employed and resident in the UK

You must have your salary paid directly into your bank account

You must have a debit card for this account

You need a valid email address and mobile phone that we can text a code to

You must acknowledge that you are not currently signed to or anticipating entering a Debt Management Plan, Individual Voluntary Arrangement or a debtor under any bankruptcy proceedings


I have a poor credit rating – can I still qualify for a payday loan?

We recognise that financial mistakes can happen and we take a broader view on your overall ability to repay.

How long does it take to get the money?

When you apply for a payday loan with Uncle Buck you have two options for method of payment:

1) Express payment method of transfer – if this option is selected, once your application has been approved, funds are transmitted within 15 minutes 24/7! There is no charge for this service. 

2) BACS - If you have selected payment by BACS then you should have the funds available in your account in around 3 days. There is no charge for receiving your money via BACS.

It’s important to note that once we have sent the money we cannot guarantee that it will be received within the anticipated timeframe. Some banks can’t process faster payments or are slow to show a payment on your account. To be sure you should speak to your branch and ask if they accept "Faster Payments", alternatively click here, you will need your sort code. In the unlikely event we experience a system issue and your payment is delayed, please contact us.

Do I need to fill in an application every time I need a payday loan?

As an existing payday loan customer you don´t have to fill in an a complete application every time you need a cash advance but we do ask you to verify information previously supplied and you are required to notify us of any changes. We will then assess your ability to afford the loan based on various sources of information including your level of wages.

Do I have to repay the payday loan in one go?

You should always try your best to repay in full your payday loan on the agreed repayment date as shown on your loan documentation. If you have a temporary reason not to repay your loan in full, you may apply to defer some of the repayment until your next payday (see below FAQ Can I defer my loan?) .

Can I pay my payday loan off in instalments?

A payday loan is designed to be paid off in full on the repayment date. However, if you think you are going to have difficulty paying off the loan in full, please contact us before your repayment date and we may be able to arrange an alternative payment plan.

Can I cancel my payday loan?

Yes, you can withdraw from your agreement within 14 days of you signing the loan agreement by contacting us either by post, email or telephone. If you withdraw you must return any monies paid to you within 30 days and pay accrued interest from the date you are given the money to the date you repay us in full at the rate specified in the loan agreement.

How do I repay my payday loan?

We take payment from your bank account on the agreed date by either direct debit or by using the debit card details you supplied to us during the application process. This is an automatic process and we set out how it works in the consumer credit agreement. We will attempt to contact you at least three days before your first payment to remind you that your payment is due and to get in contact with us if you think you may have difficulty making the required payment.

How do I cancel an ongoing authority?

Your consumer credit agreement includes details of the process we use to collect repayments from you, and you should ensure that you understand this before you sign your agreement. You may cancel the authority directly with your bank, and you may contact us to cancel it. If you decide to cancel, you must remember that you will still owe any outstanding debt and will need to provide an alternative method of repayment on the due date or thereafter, if the payment was not received, to avoid going into default or incurring additional interest and/or charges.

Can I have more than one payday loan?

As a responsible lender we do not offer more than one loan per customer at any one time, therefore we are unable to offer additional loans until an existing loan is repaid.

Can I defer my loan?

We will never automatically defer your repayment date. If you have a temporary reason not to repay your loan in full, you may apply to defer some of the repayment until your next payday. If your application is approved, you need to pay any fees, interest and charges before the remaining balance with interest can be deferred to your following pay day. It is important to note that any application to defer some of your repayment is granted at our sole discretion and is subject to status and assessment of affordability. We also recommend that you repay some of the capital in addition to the interest to reduce the amount you owe and how much the loan costs. If we agree to defer your loan, you will end up paying more than originally anticipated and it will take you longer to clear the balance. We assess each application individually, we don’t guarantee approval and you can only apply to defer some of your repayment on a maximum of two occasions. The Financial Conduct Authority has produced an information sheet Failing to Repay on Time which you must read and consider before applying.

What if I fail to repay my payday loan?

It is important that you inform us as soon as you think you will not be able to repay your payday loan on time in order that we can discuss your options with you. Contacting us at an early stage may help to avoid default charges and formal collection procedures. We will show forbearance and seek to assist you by agreeing alternative repayment arrangements.

The most important things to remember are:

1) If you think you will not be able to repay the loan in one go, don’t apply in the first place

2) Communicate with us honestly and we will do our best to help you.

You should also be aware that failing to repay on time will have a negative impact on your credit score as we provide payment performance information to credit reference agencies.

If you are having problems making a payment please contact us on 01959 583979 and we will be happy to discuss your payment options with you.

Do I have to send in documents?

We will try to approve you without requesting any paperwork but if we are unable to do so we may require supporting documents in order to proceed with the application.

Will I be able to borrow again?

At Uncle Buck, we do everything we can to make sure you get the best possible service. However, if you're not completely happy with our service, we need to hear about it - that way, we can do something to put it right. Click here to read our complaints procedure.

What is the Uncle Buck Trio Plan?

Prefer to spread your repayments? Repay your loan in 3 equal instalments, no early repayment fees – if you settle early you may be entitled to a rebate of some interest.

Subject to status and affordability checks, you may be offered our Trio Plan when applying for a payday loan.

Representative Example: If you borrowed £300 for 91 days you would repay £458.13 in total; 3 equal instalments of £152.71; interest 292% per annum (fixed); Representative APR 1296.2%

Warning: Late repayment can cause you serious money problems. For help, go to