How our Loans Work - QuickLoansExpress

How It Works

Borrow between £300 and £1,500 and receive an instant decision. If approved, we can fund your bank account on the same day. Find out how it works below!
Decision in 2 minutes
Up to £1,500
3 to 9 months
832.04% Representative APR
Repay early and save
Representative example: Borrow £700 for 5 months. 1st monthly repayment of £235.80, 3 monthly repayments of £235.80, last monthly repayment of £235.90. Total repayment £1,179.10. Interest rate p.a. (fixed) 222.79%. Representative APR 832.04%. Our APR includes all applicable fees. Daily interest is capped at 0.798%. To compare our loans click here.
Warning: Late repayments can cause you serious money problems. For help, go to

The Loan Process

Applying for a loan online has never been easier. In just 4 steps you can have the loan in your bank account ready to use.

Step 1

Choose how much money you need and fill out our application

Step 2

Get an instant initial decision within 90 seconds

Step 3

We guarantee to fund you the same day you are approved

Step 4

Repay in monthly instalments that come directly off your card


How do I Apply?

Quick Loans Express operates fully online and it takes only 2-3 minutes to complete our simple and easy application form. It takes us only 90 seconds to decide whether you might be suited for a QuickLoansExpress fast loan.

In this quick amount of time, we assess your affordability and carry out a series of credit checks. If approved, we ask you to provide a few extra details and then you are good to go! Once we have them, we can transfer the money to your bank account within 1 hour.

How much can I borrow?

We are a payday loan direct lender offering customers between £300 and £1,500. You can repay your loan in 3 – 9 monthly instalments. If you can, we encourage you to repay early so that you avoid paying unnecessary interest. There is no early repayment penalty.

Loan Amount Loan Duration
£300 – £500 3 – 5 months
£550 – £850 3 – 6 months
£900 – £1,000 4 – 6 months
£1,050 – £1,500 6 – 9 months

Am I eligible for a loan?

Before applying, please make sure you meet our basic criteria. You need to be:

  Over 18 years old

 A UK resident

 A UK Bank Account Holder

Do you consider people with low credit?

Yes. You do not need to have a perfect credit score to apply with us. We believe in giving everyone a chance, and we know affordability for a loan goes beyond your credit score. If we feel you can afford it, we can provide it. Apply now for our small loans and receive an instant decision. If you have any questions, try our FAQ page. If you have any additional concerns or just need some more information, do not hesitate to contact us by emailing or by phoning 0203 909 5555.

Should I borrow a loan?

Here are some tips before borowing:

  1. Only apply if you really need a loan
  2. Make sure you can comfortably afford the repayments
  3. Don’t try solve a long-term money problem with a payday loan

Are you in debt? Contact Money Helper or Citizen Advice.