Lender safety guide
Before sharing bank details or financial information, confirm who operates the website, whether the firm is authorised and where your application will go.
Use these checks before considering any quick loans online service or sharing personal and financial information.
Search the FCA Financial Services Register using the legal company name or reference number shown on the website. Compare the registered trading names, permissions, contact details and website address.
Do not rely on a register number displayed in a footer without checking it independently. Fraudsters can copy genuine details from an authorised firm.
A legitimate lender should identify the company behind the trading name. Check the company number through Companies House and compare the registered information with the website.
Quick Loans Express is a trading style of Western Circle Limited, company number 07581337 and FCA reference 714479.
The website should state whether it is a lender or broker, show a representative APR and example, explain relevant checks and avoid guaranteed-approval language.
A secure connection protects data in transit, but the padlock alone does not prove that the business is legitimate.
Be cautious if someone promises a loan in exchange for a fee, gift card, cryptocurrency transfer or payment to an individual. Never disclose online-banking passwords or one-time security codes to a caller or lender.
Some authorised credit brokers charge disclosed fees, so a fee alone is not proof of fraud. Verify the firm, understand its role and read its written fee information before agreeing to anything. If a caller pressures you, stop and contact the firm independently.
Read the privacy notice and any separate consent about sharing an application with partners. Optional partner sharing should be clearly distinguished from information required for the lender's own assessment.
Keep copies of the page, agreement and messages if anything appears inconsistent.
Use official guidance rather than relying only on a lender’s own claims.
FCA: checking whether a firm is authorisedFCA: recognising loan-fee fraudMoneyHelper: payday-loan costs and alternativesRead the QuickLoansExpress loan costsA clear next step
There is no obligation to accept an offer.