Uncle Buck is a leading lender of payday loans, offering instalment loans at a competitive rate of 993 per cent APR. First time borrowers can borrow £300, and as your loyalty rating increases and you pass credit and affordability checks, you can increase the amount you can borrow from Uncle Buck – up to £1000. You can repay your payday loan in equal monthly instalments for three or twelve months. See more at : https://www.unclebuck.tv/payday-loans.html

1. PayDay Loans – Uncle Buck’s Easy To Understand Facts
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Uncle Buck is a leading lender of payday loans, offering instalment loans at a competitive
rate of 993 per cent APR. First time borrowers can borrow £300, and as your loyalty rating
increases and you pass credit and affordability checks, you can increase the amount you can
borrow from Uncle Buck – up to £1000. You can repay your payday loan in equal monthly
instalments for three or twelve months.
What is a payday loan?
A payday loan is usually a small, short term loan that incurs daily interest and is paid back to
Uncle Buck on your payday.
Standard payday loan amounts range from £100 to £1,000. They are paid back in one lump
sum to include interest in either 14, 21 or 28 days. The average representative APR is 1737
per cent. However, this is an annual rate, and most payday loans only last 14, 21 or 28 days
and they are then paid back in one lump sum when you receive your salary.
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What is a payday advance?
Payday advance is another way of referring to a payday loan. You get an advance on your
wages, which you pay off when your salary goes into your bank account. As with a payday
loan, you receive a lump sum cash advance and pay it off as a lump sum with interest on
your payday.
Payday loans for emergencies
Payday loans are used for many reasons, you may want money to be put into your bank
account quickly. Perhaps your bathroom floods, your heating breaks down or you
unexpectedly need to buy a new car. Payday loans should really be used just for
emergencies though. The ease of obtaining a payday loan can make it tempting to borrow
for less urgent reasons, but this is not advisable. Payday loans can be expensive and should
not be used irresponsibly. If at all possible, you should put aside an emergency cash fund to
avoid having to borrow money in a hurry in these circumstances. Experts recommend
putting aside enough to live on for between three and six months. Some people stash the
money in a jar at home, others prefer to keep it in a separate bank account that must only
be accessed in the event of an emergency. Unfortunately, building up an emergency pot of
money like this is not possible for everyone, and many people realise the need for one only
when it is too late and they need a little extra cash immediately.
Hence why payday loans are often used by people for emergency borrowing.
Where to get a payday loan?
A few payday loan companies operate on the high street, but many are online, so here are a
Payday Loan
Representative
Example
If you borrowed £200 for 30
days you would repay a single
payment of £248.00. Interest is
292% per annum (fixed).
Representative 1269.7% APR.
Funds are transmitted free of
charge.
Apply
now!
Uncle Buck is a genuine and
reliable direct lender.
✓ No Upfront Fees
✓ Easy Application
✓ Quick Decision
✓ Quick Approval
Warning
Late payment can cause you serious
money problems. For help, go to
moneyadviceservice.org.uk
Payday loans are not suitable for, and would be
expensive as, a means of longer term borrowing
and are not appropriate if you are in financial
difficulty.
One of the UK's leading short
term payday loans providers
Uncle Buck Payday Loans Home How it Works About Us
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2. Hence why payday loans are often used by people for emergency borrowing.
Where to get a payday loan?
A few payday loan companies operate on the high street, but many are online, so here are a
few types of online loan that are available.
UK based payday loans
Payday Loans UK are only available to UK residents employed and living in the country at
the time of the loan. A UK payday loan includes Wales, Scotland and Ireland and money will
be loaned in pounds sterling. Uncle Buck offers payday loans to UK residents.
Online payday loans
The application process is completed online and funds are transferred directly into your
debit account. This is a fast and efficient way to apply that can be done on a computer, tablet
or mobile phone and money can be in your bank account within the day. It is different to
applying on the high street, where lengthy documents need to be completed and money is
handed over to you personally. Online payday loans with Uncle Buck are easy to apply for
and the application process is fully explained as you progress.
Cheaper payday loans
Cheaper payday loans are characterised by a lower
than usual APR. The APR’s of different lenders
should be compared to seek the best deal prior to
borrowing. APR is the annual percentage rate used
to compare financial products such as loans. Uncle
Buck will lend to you at a rate of 993 per cent APR
on a three month loan, which is less than half of the
APR of a typical payday loan. To get a cheaper
payday loan, you should compare the APR and the
cost of borrowing £100. Always remember that to
keep a payday loan cheap, you should pay it off on
your payday.
Faxless payday loans
Obtained entirely without the need to fax
documents. Traditionally, pay day loans were
obtained after documents were faxed back and
forth between the lender and the borrower. These
days, a faxless payday loan can be obtained with all
administration done online and entirely paperless.
Obtain a payday loan today
Our quick and efficient payday loan service will allow you to obtain the money that you need
on the same day you apply for it.
1 Hour payday loans
The loan is transferred to your account within an hour of application. This can cost a little
more and should only be used when you need the money straight away.
Instant payday loans
Obtain an instant decision on whether your pay day loan application has been approved.
You will be contacted by phone or email by Uncle Buck and the payday loan money will be in
your bank account before you know it!
Direct or Payday Lenders Only
The loan is arranged directly between the customer and the lender without the use of a
broker. These loans differ to usual payday loans as the term is longer.
3 month repayments
This is different from a payday loan, since customers pay back their loan over a three month
period. Equal amounts are paid each month, and the amounts are notably smaller than if
you were to pay back the whole loan as a lump sum. This gives more flexibility to manage
your finances, rather than having to pay back all of the money plus interest in one hit on
your next payday.
12 month repayments
Like the three-month short term loans, the twelve month loan is different from a payday
loan in that you can stagger your repayments for a whole year, further reducing the amount
you have to pay each month and allowing yourself to ease gently into a better financial
situation where you don’t need another emergency loan. As with the three month loan, the
repayments each month are small, eliminating the financial strain that one large payment
can cause. Early repayments may be made at any time with no early repayment fee.
Who can get a payday loan?
difficulty.
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3. you have to pay each month and allowing yourself to ease gently into a better financial
situation where you don’t need another emergency loan. As with the three month loan, the
repayments each month are small, eliminating the financial strain that one large payment
can cause. Early repayments may be made at any time with no early repayment fee.
Who can get a payday loan?
Each lender has their own set of requirements as to who they will lend to, and the majority
of lenders will carry out credit checks when deciding on payday loan applications. Criteria
may also be based on age, employment and the status of other loans. Uncle Buck is a
responsible lender, so we insist that you must be at least 20 years old, resident in the UK and
earning a take home rate of at least £750 per month to borrow from us. Only people who are
deemed to be able to afford repayments will be awarded a payday loan and credit checks will
be carried out.
How to apply
The application process for a payday loan is completed online and takes around five
minutes. You will need to enter basic details such as your name and address, household
expenses and employment. These are in addition to your bank details that will be used for
credit check purposes and so that we know where to send the funds to.
Once you have completed the online application form, some automated checks will be
conducted and you will receive an instant decision to tell you whether you have been
provisionally accepted for a payday loan or not.
What credit checks are done?
Credit checks are through agencies including Equifax and Experian and they give you a credit
score, based on how well you have paid back previous loans, credit cards and mobile phone
bills as well as other forms of credit. This is how we assess your suitability to borrow from us.
A credit check gives a score based on how well you have repaid credit before including credit
cards, loans and mobile phones. If you meet repayments on time, your credit score will be
maintained or even improve. If you fail to do so, your score will fall.
Responsible lending
Credit and affordability checks are a part of responsible lending. They allow us to find the
most suitable customers for the loans that we offer. Our underwriters look at your individual
circumstances and try to match what you want to borrow with how much you can afford to
repay. Uncle Buck is also sensible and responsible enough to encourage you to look
elsewhere before turning to a payday loan, particularly if you can borrow the money you
need from friends, family or other sources without incurring interest. If you are a member of
a credit union, they may lend to you at a low interest rate. You could also use an authorised
overdraft if available, or consider a low interest credit card. However, if you have exhausted
these options, Uncle Buck is pleased to help as a viable and responsible alternative.
6
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Uncle Buck is a trading name of Uncle Buck Payday Loans LLP Company Number OC356091. Registered Office Building 707 Biggin Hill Airport, Westerham, Kent TN16 3BN.
Uncle Buck is authorised and regulated by the Financial Conduct Authority (Interim Permission Number 640978). You can confirm our registration on the Financial
Conduct Authority’s website or by contacting the Financial Conduct Authority on 0800 111 6768.
Copyright © 2014 Uncle Buck Payday Loans LLP. Website by Diablo
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4. Copyright © 2014 Uncle Buck Payday Loans LLP. Website by Diablo
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