Uncle Buck
Good:
You can extend your payday loan if you know you can't make the repayment (interest still applies)
Bad:
They claim not to do credit checks but you will probably get declined if you have bad credit
Verdict:
A lot of good reviews on this company, happy customers because the money has been in their account in one hour - only apply if you know you can pay it back on the agreed date
Uncle Buck will initially lend between £75 - £400, however once you show you can pay these amounts back, Uncle Buck will lend you up to £1000. You will have to pay this back on your next payday. They charge £30 for every £100 you borrow, which is similar to what other payday lenders charge.
You can apply online or over the phone with Uncle Buck. To apply online, you need to complete their online application form. When you have done this, they will send you an email or a text message with their preliminary decision. You will then have access to sign the loan agreement on their website. They will then verify your bank details, review the completed application and agreement, and the cash will be immediately transferred. They advertise the fact that you don't need to fax anything to them. However, they may ask you to send documents in in exceptional cases. The funds will usually be with you around 2 hours after they have received your application.
Uncle Buck advertise the fact that they don't run credit checks so may be a good option if you haven't got the best credit history. However, customer reviews have mostly complained about the fact they have had to send documentation in when Uncle Buck advertise they don't need any. While this seems to be the exception rather than the rule, be prepared to fax some details over if your history isn't the best. Only apply to this lender if you are certain you can pay it back on the next pay day otherwise you may experience extreme charges. Similar to other lenders, they have been known to pass your debt onto a collections company but still take the repayment sum from your debit card - be aware of this.
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I applied loan with these 2 weeks ago and they asked for bank statements! Sent my bank statements and then they phoned my workplace up and then after they approved my loan. Loan was for 30 days but i have paid it back 2 weeks after. Received a phone call from these after if im interested for another loan and i said ok go ahead to hear my application for same amount was declined despite they ring up and offer. Nothing is changed in my circumstances in 1-2 days and being existing customer treated like this. I phoned them up and asked the reason they dont have any reason all been adviced is apply back after 7 days. Uncle Buck doesnt welcome customers who able to afford their loans back i assume they want people who dont pay them so they can charge a lot of interests etc... I now use Wonga and very happy...
Uncle buck lived up to all expectations in my opinion. I applied for £300 and recieved cleared funds within 30 mins. Really great service and in the grand scheme of things fairly priced. Thanks Uncle Buck!!!
i applied on saturday and today is monday i have recived the funds no faxes and 1 phone call to confirm what i put on the application everything was good except the waiting i would use them again although there interest is a little higher than some other lenders althought they have given me a better deal on paying it back than all other lenders this i am very happy with hope this helps you make ur decition
i aplied was accepted and opted for fast payment 2 days later i recive it and still get charged £15 for fast 1 hour payment they advertised 1 hour payment and didnt live up to this im disapointed and will use alternative lenders in future evan interest is lower with lenders like wonga and they do pay out within 15 mins uncle buck is a last resort lender and will mess u around if ur in a hurry
In my opinion these people are criminals. Totally inflexible in cases of hardship and willing to leave a client without a penny to live on. Please, please, please, do not touch these people. They are evil bloodsuckers and should be avoided at all costs. Whatever it takes, do not use them.
i used these guys today I applied at 10:13 this morning i thought the way you get access to their credit agreement and the way they word things it gets your hopes up. But I waited and after they contacted me to confirmed my details i got an email to confirm they were sending the funds which was at 12:17 I only got the cash at 15:15 in my account very slow compared to other lenders i have used
These guys are utterly useless ( I am not writing this because I didn't get a loan, I did get a loan and then paid it back on time), please avoid these people, their staff are rude, inconsiderate and they make mistake after mistake which you have to deal with. They have zero customer service and the fact is I would have been a repaet customer, never again, there are plenty more lenders out there!
I have used one other lender for payday loans before but for whatever reason they said not this time so a quick search came up with this one, I applied online, within 15 minutes had confirmation. I had to call with my Bank card details and then the money was in my account within 30 minutes. I can't say anything bad, very quick service and polite customer service. The interest charge is high, but I don't mind paying it as it saved me a lot more on bank charges.
I've used other payday loan companies before and my usual one said no, so I tried this company, within 15 minutes of me applying, I received confirmation and within 1 hour the money was in my bank. No faxing, just a call to confirm my bank card number and that's it. The interest is not the cheapest but I was happy to pay for the service received. I'd happily use again.
what a load of **** there r utterly useless!!!!!
I was asked for bank statements, they were happy with sending them online though - freephone number to call them to finalise and the loan agreements were electronically signed by email - not too hard
They claim not to do credit checks yet I meet all of their criteria, my debit card passed the debit card test & my bank statements were clean yet I got declined. I kept calling & calling them & kept getting fobbed off & finally, they said that even though I "met all of their criteria," they declined me because I didn't meet their "business rules!"
I applied for a loan once work check had been done and credit agreement faxed money was transferred to account within an hour in total less than 12 hours from applying. Good service and no docs required. APR is still quite high though.
New customers up to £400 - 31 days
Existing customers up to £1000 - 31 days
Otherwise, 2 working days
- You may not need to provide any documents, they will inform you when they receive your application
- You don't need to have perfect credit
- You need to have a bank account with a debit card linked directly to it
- You must be 18 years of age or older to apply
- Your salary must be paid directly into your bank account
- You must be in full-time employment
- Missed payment - £45.00
- Same day transfer fee - £15.00
- They cannot add charges for a non-payment, but they will transfer the case to a Debt Collector which could incur charges
