Unsecured Loans

Unsecured Loans – Hassle Free, Instant Approval & Super-Fast Transfer

In need of a cash in a hurry? Uncle Buck has you covered. We offer quick and easy, unsecured cash loans for any purpose. You can borrow up to £5,000 today repay it anywhere between 1 and 36 months. We offer a fast, reputable, responsible, and transparent service. The entire application process can be completed in under 5 minutes, and you may even receive the cash straight to your bank, same day. In addition, we do not require a “quick chat on the phone” or an extensive breakdown of income and expenditure. We’re a 100% web based operation which is ideal for urgent loan requests or cash in an emergency.

How much would you like to borrow?

£100£200£300£400£500£600£700£800£900£1000£1100£1200£1300£1400£1500£1600£1700£1800£1900£2000£2100£2200£2300£2400£2500£2600£2700£2800£2900£3000£3100£3200£3300£3400£3500£3600£3700£3800£3900£4000£4100£4200£4300£4400£4500£4600£4700£4800£4900£5000

1 Month2 Months3 Months4 Months5 Months6 Months7 Months8 Months9 Months10 Months11 Months12 Months13 Months14 Months15 Months16 Months17 Months18 Months19 Months20 Months21 Months22 Months23 Months24 Months25 Months26 Months27 Months28 Months29 Months30 Months31 Months32 Months33 Months34 Months35 Months36 Months

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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).

As an established, UK based unsecured loan broker, we’re regulated in the United Kingdom by the FCA and are partnered with over 30, licensed and responsible lenders. Unsecured loans for any purpose are our speciality and we cater for all comers, regardless of credit rating or score. Our unsecured lending products have an above average acceptance and approval rate, even if you suffer from bad credit. So what are you waiting for? Apply today here!

Loan Approval and Transfer Process

At Uncle Buck, we believe speed and transparency are what our customers value most. And this is reflected in our loan application, approval, and transfer process. Our application form requests only the most basic details required to determine eligibility, creditworthiness and ultimately process your application. The entire form can be completed in under 2 minutes if you have all your details to hand. You will receive an instant on screen decision shortly after that and if you’d like to proceed and agree to the terms proposed, the loan funds will be instantly transferred to your designated bank account.

On the final step of the process, you will be given an on-screen breakdown of the loan amount (how much you’re borrowing) and a detailed account of the accrued interest and repayment terms. It is important that you keep a record of this. You will also be given the details of the direct lender who is facilitating your unsecured loan request. Please keep this contact information to hand so you can liaise with them directly should you have any enquiries.

An Unsecured Loan from Uncle Buck Has Many Benefits

If you’re looking for quick, same day cash, then an unsecured loan is the go to lending product on the market. Typically for any purpose and highly flexible repayment terms, they’re the obvious choice when it comes to short term lending. They’re also relatively risk free on the part of the customer as they’re not secured against a particular asset such as your home. This alone makes them an attractive alternative to their secured, asset based counterparts.

As an online loan broker, we feel we can offer a better service in comparison to that of a direct lender. Particularly to those with a less than perfect credit score. By utilising our lender match software, we’re able to seamlessly submit your application to multiple direct unsecured loan lenders at once and our system will automatically choose the best proposal for you. And of course you are under no obligation to accept any loan offers presented to you.

Key Benefits

Unsecured loans have numerous benefits over traditional loan types. Particularly secured loans. We’ll look at some below: –

• Not secured against a particular asset.
• Easier approval, particularly via our brokerage service.
• Highly flexible repayment terms.
• Home/property/assets not as risk.
• Online service, no phone calls or paperwork.
• No income and expenditure breakdown required.

Why Use Uncle Buck

There are many reasons why customers keep coming back to Uncle Buck for their borrowing needs. In addition to providing an honest, reputable and trustworthy service. We’re also known for getting things done in a quick and efficient manner. From application through to fund transfer, our service is exemplary. Here are some more reasons why Uncle Buck is the perfect choice for unsecured loans: –

• Borrow from £100 – £5,000 and any amount in between!
• Repay the loan next month or in 3 years’ time, the choice is yours!
• Cash loans for any purpose. No proof of usage required.
• No guarantors required.
• Bad, poor, low or even no credit are welcome!
• Instant approval decision in under 2 minutes.
• Same day cash transfer where available.
• Entirely unsecured. No assets required.

Unsecured Lending with Bad Credit

Given unsecured loans are typically offered for any purpose and not secured against a particular asset, those with a poor or bad credit history can often find getting approved a challenge. Even for small loan amounts, repaid over a relatively short space of time. Fortunately at Uncle Buck, we do not consider your credit score to be the determining factor when assessing an applicant’s creditworthiness. Affordability is somewhat more important to our lenders so even if you have a very bad credit history, there is still a high chance you will be approved. The nature of your bad credit history will also play a part rather than the aggregate “score”.

Understanding Bad Credit

Below we’ll have a look at what makes a credit score “bad” in the first place plus offer some tips on how you could perhaps go about rectifying some of the potential issues.

Late/Missed Payments: Missing a solitary scheduled repayment can lower your credit score significantly. If you are ever unable to make a repayment it is imperative that you speak to your lender. They could perhaps allow more time to pay or roll it over onto next month’s payment so you can avoid a late payment entry on your credit report.

High Credit Utilisation Ratio: Being too close (or over) agreed credit limits can also have a dramatic impact. Would be lenders do not like to see maxed out overdrafts or credit cards. It’s often better to increase your limit if you’re getting close. This will not be seen as a negative. It’s good money management.

Debt Products/Solutions: Having existing debt related solutions in place can often be seen as a red flag for potential lenders. Solutions such as debt management plans (DMP’s), debt relief orders (DRO’s) and individual voluntary arrangements (IVA’s) clearly illustrate that you’ve had issues when borrowing money in the past. Likewise with county court judgements (CCJ’s) or even bankruptcy.

No Electoral Roll Presence: Lenders use the electoral roll or register as it’s now referred to in order to verify that you do live at the address specified in your application. If you’re not on the register or your address doesn’t match, it can lower your chances of being approved for a loan. This is one of the only data sources available to a lender for address verification.

Unsuccessful Loan Applications: Whenever a hard search (or pull) is performed by a lender to determine loan eligibility, a record of such is left on your credit report. Other lenders can also see this information when they perform their own checks. So if you’ve been refused credit elsewhere, often, and particularly recently, it’s a big red flag to a would be lender. Uncle Buck and its partners utilises what is known as a soft search. This type of search yields the same sort of information you’ll see if you were to run your own credit report. It does not leave a lasting mark.

Improve Your Credit Score Right Now

The single best way to improve your credit score is simply to take on credit/debt, service it properly and repay it fully within the terms of your loan agreement. This will all be logged on your credit report and will illustrate to future lenders that you’re a responsible borrower. And that you will repay their funds accordingly thus being a low risk. If you’re finding getting approved for a loan tricky, the list below may give you some pointers to help improve your credit standing.

• Maintain a presence on the electoral register (and make sure it matches your application address).
• Try not to be too close to your agreed limits on credit cards/overdrafts. Increase them if needed.
• Check your credit report via a credit reference agency such as Experian or Equifax. Look for inconsistencies, old accounts you thought were perhaps closed etc.
• Take on credit. As touched on above, even the smallest amount of credit when properly serviced can dramatically improve your credit score.

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

Apply Online Here

Uncle Buck’s Unsecured Loan Eligibility Requirements

Uncle Buck prides itself on being a service that is accessible to all. Good credit, bad credit, no credit, you’re welcome to apply. We believe everyone should be afforded the right to credit. Particularly in an emergency.

We only have a handful of basic eligibility requirements that you must fulfil for us to process your application. In addition to the below. We’ll also ask some information regarding your source of income, frequency of payments and amounts (non-specific). Our lending partners primarily determine affordability from the information you provide. So please be as honest as possible. We accept loan applications from those in regular employment, self-employment or even benefits. You may also be considered if you’re a student or are receiving your pension.

Our Eligibility Requirements

There are five primary requirements to be eligible for an unsecured loan via Uncle Buck. All applicants must meet all these requirements before applying.

The requirements are as follows: –

• You must be a permanent resident of the United Kingdom.
• Be 18 years old or over at the time of applying.
• Possess and maintain an active UK bank account (current).
• Have a regular income from employment, self-employment or benefits classed as income. It must also be paid into the above bank account.
• You must have a UK address and phone number for correspondence.

Please have all your personal details to hand before applying online. Incorrect, outdated, or missing information may delay the loan application process.

Additional Types of Unsecured Lending to Consider

In addition to traditional unsecured personal loans, there are numerous alternative loan products available from Uncle Buck. Some of these differ in name only and may perhaps be a better option depending on your situation and requirements.

Short Term Loans: Loans offered over a short term (up to 6 months) are almost always unsecured given they tend to be for relatively small amounts of money. And offered for any purpose. The short term loans offered by Uncle Buck can be taken out and repaid between 1 month and 36 months (3 years). This flexible loan product could perhaps be a viable alternative to a regular unsecured loan.

Same Day Loans: Another popular unsecured borrowing solution is a same day loan. As suggested by the name, this product is often available on the same day you apply. And like short term loans, it is a cash loan which isn’t tied to any specific usage or purpose. Same day loans are extremely popular due to their ease of application, hassle free experience and speedy fund transfer.

Payday Loans: The phrase “payday loans” often gets a bad rep, primarily due to how payday lenders previously offered and operated this service. However, a change in rules and regulations has caused a resurgence in payday lending with the lenders now opting for a more responsible approach in terms of who they lend to, how much, and when they expect the funds back. Specifically allowing a more flexible repayment term as opposed to requiring funds back on your next payday. The payday loans offered by Uncle Buck can be repaid over a maximum of 3 years.

All the above are available on the same rates and terms as our unsecured loan offerings. Our loan eligibility requirements are also the same.