With Uncle Buck applying for a payday loan couldn’t be simpler. You apply online and there’s no mountain of supporting paperwork to fax either!
How to apply
To apply complete the online application form where we ask you for some personal information and employment details so we can process your request.
How long will it take?
Once you have completed our online application form and our thorough initial checks have been conducted you’ll receive an "in principle" online decision.
Where possible all applications are processed 24/7. If we need to check more details with you, we will communicate our progress via email and attempt to contact you during working hours.
Once your loan application is approved, depending on your choice of payment method we can transfer the funds within 15 minutes 24/7. Most banks will make the funds available virtually straight away but at this point it is out of our control and not guaranteed. You need to check with your branch that they accept 'faster payments'. If you request payment by BACS then you should have the funds available in your account in around three working days. Further details can be found on our FAQs page, please click here to view.
How much can I borrow?
New customers can request to borrow up to £400. Once you are an existing customer and providing you use our service responsibly and make payments on time, you can apply for a maximum loan amount of £1,000 to give you that extra flexibility to meet your short term cash needs. 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.
Am I eligible to apply for an Uncle Buck payday loan?
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
Uncle Buck is committed to lending responsibly, we don’t want to put people into debt by lending them money that they can’t afford to repay. A payday loan is a short term cash advance that is there to help you when unexpected expenses arise helping you manage your cashflow. Click here to read our full Responsible Lending statement. Uncle Buck is committed to upholding the Good Practice Customer Charter which gives customers enhanced protections when taking out a payday loan. To read the Charter please click here.
From 2 January 2015, in accordance with the Financial Conduct Authority’s (FCA) price cap regulations, interest is capped at 0.8% per day, default charges are capped at £15 and the total interest and fees charged on a loan can never exceed 100% of the amount borrowed.