We are a direct loan lender.
You can borrow up to £1,000 today even with bad credit.

Your loan has been funded into your bank account!

Representative example: Borrow £700 for 5 months. 1st monthly repayment of £235.80, 5 monthly repayments of £235.80, last monthly repayment of £235.90. Total repayment £1,179.10. Interest rate p.a. (fixed) 185.39%. RAPR 611.74% Our APR includes all applicable fees. Daily interest is capped at 0.793%. To compare our loans click here.


Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Need money fast?

Maybe you need to pay an unexpected bill, or you need to cover an emergency expense. Whatever it’s for, if you need cash in your bank account really fast, you’re in the right place! On QuickLoansExpress’s website, you can borrow fast online loans, whatever your credit score.

Click here to apply!

How to apply

with Quick Loans Express
Easy Loans Alert!

If you’re thinking this all sounds too easy, that’s because it is. Before you scroll any further or click any big bright buttons to apply, we’d like to remind you that our loans are expensive, and can spiral if not paid on time. Only apply for payday loans if you have no other choice – our loans are designed for emergencies, and definitely not for long-term use.

Total time:
01:00 – 03.30
hours start to finish
Our promise:

We guarantee that we will fund your loan on the same day you’re approved.

Can I apply even if I have bad credit?

Yes you can. We’ll let you in on a little secret. The credit scores you know about means nothing to payday lenders. We use a completely different credit rating, designed specifically for short term loans. This basically means that you can have a rubbish credit file and still get approved as long as all your payday loans are being paid and you can afford the loan repayments.

How can lenders approve people with a bad credit score?

Your credit score is just an arbitrary number, and it could be affected by bad financial decisions in your past. We prefer to look at how you are managing your current credit commitments and we put a lot more emphasis on the affordability assessments than on the credit checks.

Are loans that accept anyone safe?

No. There is not a single responsible lender that can guarantee that they accept anyone who applies. All online lenders should carry out a credit check with at least one of the UK’s credit reference agencies, as well as an affordability assessment to make sure a quick loan won’t put the applicant in further financial hardship. The next time you see an advert for ‘fast cash loans with no credit check’, read the fine print carefully. Either they do perform a credit check, but just after an initial approval. Or they’re not authorised by the Financial Conduct Authority, in which case, stay far away.

Apply for a safe bad credit loan

How do I check the Financial Services Register?

Go to the Financial Conduct Authority’s official financial services register website and search for the firm’s FCA number or the firm name. Look carefully at the website listed and make sure it matches the website that you are applying on exactly.

What happens if I can’t pay my loan back?

If you’re worried that you won’t be able to pay your loan back from now, you should seriously reconsider applying for quick loans online. They’re expensive, and it’s not worth borrowing a loan you’re not 100% sure that you can afford. Before you take on any credit commitment, fill out an Income and Expenditure assessment to see how much disposable income you have and if you’ll be able to afford the loan’s monthly repayments. If you find that you’re in more debt than you anticipated, you can seek help from organisations such as:

I need a loan now, what should I do?

The first thing to do is understand that every financial commitment is serious. What do you need a quick loan for? Can it wait until payday? Can you borrow from a friend instead? If you end up deciding that you need a quick loan now, you can apply online. Compare all the lenders’ features and choose the one that suits your needs best. Always make sure to check the FCA number and make sure the website is listed on the financial services register.

Understanding online loans

Quick online loans became popular in the early 2010s after Wonga started to offer them online. Until then, you could only get a payday loan from a shop which was a bit tedious and could be embarrassing.

Do I have to repay an online loan on my next payday?

It used to be that online loans were borrowed and repaid in 1 instalment on your next payday. These days, traditional payday loans are mostly extinct, and what some people call instant payday loans are actually short term loans or personal loans.

These new loans – which vary in amount and duration – are paid into your bank account in one lump loan amount, but repaid in monthly payments, usually on your payday.

Benefits of Fast Loans

Speed, firstly. When you’re in a bind and need cash fast, your quickest option is an online loan.

High acceptance. Most people can get approved for a payday loan online. If you’re worried about being declined, the best thing to do is be honest on the application form. Lenders have a way of verifying the information you provide.

Early repayment can save you money. Not all lenders let you pay back your loan early with no penalty, but those that do can help you save money on your loan.

Drawbacks of quick loans

Expensive. Very expensive. Fast loans have very high interest rates, so they should only be used in emergencies. You can lower the cost by repaying early but make sure you choose a lender who will not

Easy. Yes, it’s a big benefit but also a major drawback. Being so easy to apply for can make them the default option for people in a bind. All options should be explored, and you should try to go with the cheapest one even if payout takes more time.

Can spiral if not paid. Online loans left unpaid can quickly rack up interest and charges. Despite the Financial Conduct Authority loan cap in place, you should still avoid paying a payday loan late

Short term loans online are expensive. Do cheap quick loans exist?

This is one of those things where you can’t have the best of both worlds. Cheap bank loans and low interest credit cards take time to apply and get approved for, but fast loans are expensive.

If you have time on your side, you should look at cheaper alternatives. Sometimes cheaper products won’t work if you have poor credit, in which case, again, you’ll need to settle for higher rates until you improve your score.

What fees should I expect with online cash loans?

Some lenders charge hidden fees such as:

  • Online application fee
  • Same day funding fee
  • Administrative fees
  • Early repayment fees
  • Late repayment charge

We don’t charge any fees besides for late repayment which is a one-time £15 default fee.

What are the interest rates for a fast loan in the uk?

APR rates for small loans can be anywhere between 600% and 1500%. QuickLoansExpress is on the cheaper side with a RAPR of 611.74%. This sounds crazy high because APR means Annual Percentage Rate and it calculates interest over a year – and short term loans very rarely span over a year.

The more reliable parameter to check is the interest rate per annum or the daily interest rate (which can normally only be found on your contract after you’re approved).

What is a short term loan?

The best quick loans are the ones that are flexible, have a low APR and are from a reputable lender. Things to check before you sign a contract with a lender might be:

  • Can I find their exact website on the FCA register?
  • Do they offer free early repayment, ie: no minimum repayment period?
  • How does their interest rate per annum (pa) compare to other lenders?
Should I use loans from direct lenders over brokers?

Direct lender loans are faster and easier. There’s much less confusion over who you’re dealing with and you can be sure that only one lender has your information. But brokers have the advantage of letting you apply to many applications with just one form.

QuickLoansExpress is first and foremost a direct lender. If we can’t offer you a loan directly, we’ll offer to act as an authorised credit broker and find you another lender who can.

What does responsible lending mean?

A responsible lender puts the best interests of its customers first. This normally means that they’ll only lend to someone who in on top of all of their financial commitments and also passes the affordability checks.

In some cases a customer will have perfect credit score and pass affordability test, but they’ll still be declined under responsible lending policies. For example, if a customer is borrowing money consecutively with increasing amounts, it could be a sign of long-term money problems which is not what instant loans are designed for.

Another example is if someone would like to borrow many loans and repay them all early – this is a big red flag for a borrower funding a gambling addiction.

You can read more about our responsible lending policies here.

What’s the difference between a soft credit search and a hard search?

A soft search will not leave an imprint on your credit file, whereas a full credit check will leave a mark on your file. Lots of credit searches could indicate that you’re in financial distress and cause lenders to not lend to you.

QuickLoansExpress carries out 1 single search, and we accept people with poor credit history.

Can I borrow an instant loan if I’m on benefits?

If you are on benefits and unemployed, it will be much harder for you to borrow a loan. Most lenders will need to verify that you have a stable source of income with which to repay the loan before entering into a loan agreement with you.

How do I cancel my quick loan application?

Once you submit the loan application, we’ll give you a no obligation loan quote on your loan and a contract to sign. If you don’t sign the consumer credit agreement you won’t be funded, but please email us to cancel the application.

What happens if I change my mind once the money is in my bank account?

If you change your mind, that’s fine. If your loan has been funded, you can withdraw from the agreement within 14 days. You’ll still need to pay interest on the days you had the loan.

Need quick payday loans?

Apply with Quick Loans Express!

QuickLoansExpress is a registered trading name of Western Circle Ltd. We have a registered office in London, which means you’ll speak to a UK-based team if you ever need help.

Just click the button below to apply for a same day loan with us. You’ll get an instant decision, and if we need to further review your application, you can call us to fast-track the application process. We aim to process all loan applications same day and we guarantee same day payout once approved.

  • Borrow £300 – £1,000
  • Repay over 3 – 6 months
  • We’re a quick loans direct lender
  • No application fee
  • No obligation quote
  • Repay early anytime with no penalty
  • Manage your loan with a free login area
Express loans online – Borrow money fast!
No guarantor needed. No hidden fees. Just speed.