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Borrow money online with a trusted direct lender! High acceptance rates no matter your credit rating and flexible loan repayments.

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Bad Credit Welcome
Same Day Funding
Direct Lender
Up to £1000
Decision in 2 minutes
* Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
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) 185.39%. RAPR 611.74% Our APR includes all applicable fees. Daily interest is capped at 0.793%. To compare our loans click here.


Need to borrow money quickly to pay for an emergency expense? Borrowing money online has never been easier than with Quick Loans Express. We are a fully regulated lender and authorised credit broker and provide online loans to customers even with a poor credit rating. Just short of £500? Apply now for any loan amount ranging between £300 – £1,000, if approved and the consumer credit agreement is signed, we will fund the money into your bank account within 1 hour.


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Borrow money online


Online lenders may be a great solution if you are looking for a quick cash injection to pay for an emergency expense. Unlike traditional loan institutions and banks, borrowing money online is a seamless process. At Quick Loans Express, we do our best to give you the smoothest possible borrowing experience. All you need to do is fill out and submit our online loan application. This will take a few minutes. You will then receive an instant decision of your loan status, and if approved, you will receive the cash within 1 hour.

As a regulated lender and authorised credit broker, our expert underwriting team will carry out several credit and affordability checks before we approve any applicant to ensure that the customer can afford the loan and that borrowing credit won’t harm them financially.


How fast can I borrow money online?

At QuickLoansExpress, you can borrow money very fast! We have designed our loan process to be as quick as possible, and we always provide our customers with instant decisions. If approved and the credit aggreement is signed, you can receive your cash within 1 hour. We understand that waiting around for loan approval can create unnecessary surplus stress, and we always do our best to avoid that.

Note: Due to their urgency, quick online loans come with higher interest rates, which means they should never be used for long-term monetary needs. Instead, we provide fast solutions to alleviate short-term problems. You can borrow any loan amount from £300 to £1,000 from QuickLoansExpress with loan repayments ranging between three and six months.




Am I eligible to borrow money online with Quick Loans Express?

To apply for a quick loan online with us, you must meet the following criteria::


Be a UK resident


Hold a valid UK bank account


18 years +


Have a steady source of income


QuickLoansExpress is a transparent and straightforward loan company with no hidden fees and fair interest rates, and we look forward to helping you. Apply now to borrow money fast, even with a less than perfect credit score!


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What should I consider when borrowing money?


Borrowing money is a serious commitment and should be considered properly beforehand. If you cannot afford the monthly repayments or make a late repayment, taking out a loan could lead you into serious debt problems.

Here are a few things to think about before you borrow money:


  1. How much can you afford to repay?

  2. It’s essential to know how much money you can repay each month. This could help you determine the loan option that best suits your current financial circumstances. Be realistic about your monthly income and expenditure.

  3. What do you plan on using your loan for?

  4. Is it really necessary to borrow money? Do you need to borrow to pay for an emergency, or do you want to finance something extra, like the latest model car or a fancy holiday? Taking out a loan should only be done for emergencies and not as a long term solution to ongoing cash flow problems.

  5. Do you have any other alternatives?

  6. Perhaps you have friends or a family member who can lend you the cash you need for free. This will enable you to borrow without leaving a credit footprint on your credit file. And they may even let you borrow money for a more extended period than if you were to take a loan.




What can I borrow money for?

Let’s take a look at some of the main reasons why our customers borrow money:

  • Household Repairs: Repairing a broken washing machine or fixing a leaking roof can be costly. Urgent household expenses are often pricey and occur when you least expect them.

  • Medical expenses: Paying dental and medical bills for you and your family can leave you with little cash left in your bank account to pay other bills

  • Help with paying rent: Perhaps you have had unexpected extra bills this month, and you can’t quite make it until payday to meet your rental agreement.

  • Urgent car repairs: Cars break down when you least expect them. These repairs can be expensive and often you don’t have the cash in your bank account to pay for them.




Different ways to borrow money in the UK


Short term loans

Short term loans are typically unsecured, and you can borrow anything from £100-£2000. The monthly loan repayments are usually organised around your payment schedule, lasting anything from 3 to 6 months. These loans are designed to be repaid quickly and can last at least three months.

Note: By paying your loan on time, you can effectively build up a good credit score.

Bad credit loans

A bad credit loan is an unsecured loan designed for people with a very poor credit score. These loans are often more expensive as the lender charges more interest than regular short term loans to counteract the risk of lending to you. On the other hand, if you successfully repay the money borrowed on time, you will build up a good credit rating. (This is one of the credit building tools used by credit repair companies)


Secured loans

A secured loan is a form of long-term borrowing where the loan you apply for has a guaranteed asset attached. If you default in repaying the loan, the lender can repossess the asset. These loans range from £1,000 – £100,000 and often have a lower Representative APR when compared to unsecured loans.


Guarantor Loans

A Guarantor personal loan provides you with the chance to have someone act as a guarantor for the application. This means, if you struggle to make repayments or make a late repayment, they will cover them instead of you. If you have a poor credit rating, applying for guarantor personal loans with bad credit could help you get the funds you want at a decent interest rate.





Common Questions on Borrowing Money in the UK


Can I borrow money with bad credit?

At Quick Loans Express, we understand that your credit history doesn’t reveal the complete picture. We believe that affordable loan options should be available to everyone, no matter your credit rating. As long as we can see that providing you with a loan won’t adversely affect your credit file or finances, we will happily fund you the loan.

Note: We treat all our customers equally, imposing the same loan rates across the board, even if you have a poor credit history. Additionally, all our loans are unsecured, so if you need to borrow money with a poor credit history, you may still be entitled to any loan amount without securing a guarantor or collateral.

What is the difference between a direct lender and a broker?

Direct lenders will loan money directly to borrowers. The process usually follows that a customer will apply for online loans directly on the lenders’ website and receive approval from the lenders themselves. Once you have signed the consumer credit agreement the lender will fund the money directly into your account.

Brokers, on the other hand, act as a middle man. Once they have your information, a broker will shop around to find a loan company known as a ‘lender’ that is willing to lend to you.

A broker will search the entire market of lenders to find you a loan with just one application form. However, your details are getting passed around to many lenders. When you apply to a lender directly, you can remain assured that your details are safe and in one place.

At QuickLoansExpress, you get the advantages of both. We are a direct lender and credit broker. If we can’t fund the loan ourselves, we will use our broker services with your permission only to find you another lender.

I am in debt – should I borrow more money?

If you are worried about the level of debt you are in and your ability to manage it, you should not apply to borrow more money because your debt will spiral out of control and cripple your finances. However, there are debt charities in the UK that you can contact to receive free advice and support; StepChange, Money Helper and the Citizens Advice Bureau.

Do I need a credit check when I borrow money?

Yes, the Financial Conduct Authority requires all lenders to perform credit checks before approving any loan applicant. This is done to protect your financial welfare and avoid lenders offering loans to people who cannot afford the monthly repayments. So, don’t be tempted to apply with lenders that claim you can “borrow money with no credit check”. You should keep far away from these lenders as they are probably not FCA authorised and have extremely high interest rates.

Before applying with any website, always check the FCA number and ensure the website is listed on the financial services register.

Do I need a guarantor when I borrow money online?

If you are borrowing an unsecured loan online, you will never require a guarantor. You will only be asked for a guarantor when applying for a secured or long term loan, as the lender will want reassurance that he will get his money back. The good news is that when you apply for a loan with us, we will never as you for a guarantor. Apply now for up to £1000 and experience the QLE difference.

What can I do to increase my chances for better borrowing options?

The main way to successfully increase your borrowing offers is by improving your credit report. This is the number 1 that lenders look at before approving any applicant.

Here are a few tips we suggest to help increase your credit score:

  • Check your credit file for errors and report any mistakes to the three main Credit Reference Agencies

  • Make regular repayments on time – this will show that you are a reliable borrower

  • Register on the electoral roll

  • Keep your credit utilisation below 30% – this will show you are not reliant on credit.


Ready to borrow money online with Quick Loans Express?

We’ve helped 1000’s of customers in the UK borrow money in their time of need. Apply Now and get up to £1000 with an instant decision and funding within the hour, if approved.


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