Uncle Buck Review [Read Our Expert Opinion]

Jane Wardle

Written by Jane Wardle on March 21, 2018

Updated March 21, 2018

Overall Rated: 4 / 5


Uncle Buck has been a short-term loans provider since 2004. With authorisation from the Financial Conduct Authority, Uncle Buck offers quick access loans to cater for unexpected financial emergencies and short-term pay-day coverage with the amount determined by an individual’s affordability and credit history.

Their simple and efficient payday loan services can be applied for online every day, including weekends. Online applications can be made at any hour and a provisional decision provided fast indicating whether the loan has been approved or not. After approval, the funds are transferred within a quarter of an hour to your account. Payments are processed daily between 7 am and 7 pm.  The short-term loans range between £50 and £1,000 although for first timer borrowers the limit is set at £500.

Uncle Buck allows you to take control of the amount you would like to borrow and for how long. By setting the monthly repayments according to the dates you receive your salary you can spread the repayment over a few months. Uncle Buck has designed their short-term loans to cover emergencies such as car repair, broken boilers, ceiling or floor holes, plumbing emergencies or house floods.  Their quick service is designed in a way that once the loan has been approved the funds are added to your account within 15 minutes or a matter of hours depending on the type of short-term loan.

You can begin repaying the loan according to the fixed interest, dates and amount agreed between you and the lender. The fact that they have made the process so simple and loan applications are 100%, makes their service seamless. The affordability and credit checks are fast and you can complete the application form on your tablet, smartphone or desktop.

Uncle Buck is also very open and what you see and agree to is what you get. There are no hidden fees such as early exit fees, arrangement fees or upfront fees. The lender is heavily committed to responsible lending. Their services do include payday loans on a representative 1253.4% APR However, only issue loans based on affordability.


Trust & Reputation

Rated 4/5

With a long list of customers it is easy to see why so many people in need of quick funds for emergencies and expenses that cannot wait trust Uncle Buck. Responsible lending with zero hidden fees and fully online application on a mobile device or desktop and easy repayments are definitely reasons why. The lender is also regulated and authorised by the Financial Conduct Authority. In addition, they work with secured partners to make their service safe, reliable and seamless such as CallCredit, Lending Metrics, Consumer Finance Association, Equifax, Barclaycard, McAfee, PCi DSS and Comodo among others.

Expertise & knowledge

Rated 4/5

For 14 years and counting Uncle Buck has been offering short-term loans to help offset emergencies. Within that timeframe the company has entrenched professionalism, experience, knowledge and stability as the number of borrowers increase. The fact that their application is entirely online and can be completed on any mobile device or desktop depicts their level of expertise in using technology to meet financial needs fast. Due to Uncle Buck’s high operational standards, commitment to responsible lending, extensive knowledge in online and short-term loan solutions, collaboration with trusted regulatory and secure partners and expertise in the provision of its services across the UK, the company has built a large customer base and an upright service.

Customer Service

Rated 4/5

Uncle Buck’s commitment to customer satisfaction is not in question. It is clear in the elaborate steps they have taken to make short-term loan applications easy, fast and straightforward. Help and support is responsive offering all the resources you need and information you should know before applying for a loan. This includes the application process, cost, loan management, payment collection, help and advice, credit reference agencies and credit checks.

As a result of their commitment to open, straightforward, responsive and quick customer service Uncle Buck holds a 4.7-star rating out of a possible five stars on Readies. It is here that the company is rated as an ‘A lender’ with top marks for customer service, flexibility, ease of use and value for money out of 107 reviews. On Trustpilot, Uncle Buck has a TrustScore of 8.1 out of 10 from over 1,000 reviews. Customers from across the UK have expressed their satisfaction with the service, ease of use, straightforwardness and quick response to their queries. Uncle Buck actively monitors their customer reviews and offers an answer where required.