Online Direct Lender Loans - Quick Loans Express

Direct Lender Loans

We're a payday loans direct lender! Get the money directly into your bank account. Fast application process. Flexible monthly repayments. All credit scores considered.
Bad Credit Welcome
Same Day Funding
Direct Lender
Up to £1500
Decision in 2 minutes
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 0.793%. To compare our loans click here.
Warning: Late repayments can cause you serious money problems. For help, go to

Direct Lender Loans from Quick Loans Express

The QuickLoansExpress team is one of the leading direct lenders for online payday loans in the UK. We’re here to help you at every stage of your loan process – no middlemen. When you apply on our website, you’ll receive a confirmation instantly and we’ll transfer the money directly to your UK bank account if approved.

Applying directly with a lender like Quick Loans Express allows for a quicker decision time and a one-hour loan payout if you pass affordability and credit assessments. Other benefits of our online loans are:

  • No guarantor needed
  • Apply any time, anywhere
  • Borrow loans amount between £300 – £1000
  • Apply with bad credit
  • 90-second loan decision
  • Receive money in your bank account within 1 hour, if approved


Benefits of Using Direct Lender Loans vs a Broker

Are you wonderwing whether to apply for loans from a direct lender or to apply on broker websites? There are many benefits to using a direct lenders to get a loan. These include:


Who likes waiting around when you need to borrow money fast? When you cut out the intermediary broker, the process is streamlined to get you what need quickly.


As a direct lender, we don’t share any of your personal information without your permission. We value your time and understand that you don’t want pesky calls, texts, and emails from other companies.

No Extra Fees

When you go through a third party, they are likely to charge you extra fees for using their service. No additional fees here though!

Payday loans broker websites also claim that they can give you faster service since your loan application is sent to more lenders, but this just reinforces that direct lender loans are safer since you have full control over who your confidential information is sent to.

Our loan application is safe and secure, and we will only share your information with third parties if you tick the box allowing us to do so.


How to identify direct lender loans

These days, it’s become increasingly harder to tell the difference between direct lenders websites and broker sites. The good news is that any responsible lender will clearly tell you what they are, so if you can’t tell what type of website you’re applying on, that’s the first sign to stay away. Here are some easy signs:

  • Direct lenders will clearly say that they provide direct loans
  • Brokers use words such as ‘Introducer’ or ‘Appointed Representative’
  • A website’s footer will always tell you what type of site you’re applying on

How to guarantee approval for a direct lender loan

No one can guarantee that you’ll be approved for a loan. Most direct lenders will be honest and tell you that they must carry out credit and affordability checks before they consider approving you. What you can do to help is provide as accurate information as possible. You’d be surprised how many people get declined by the lender directly because of incomplete or unverifiable information.

How quickly can I get funded?

At QuickLoansExpress, speed is in our name (quite literally). It only takes a few minutes to apply, you get an instant decision and the loan is funded within an hour. If we need further information from you, this can be extended to 4 hours, but most times, applications are dealt with same day.

Are customer prioritised by their credit score?

No! If you have a poor credit score, the above timeframes are not affected. We don’t treat people with a good credit file any better than those with a poor one. It is worth working to improve your credit score though, because the higher your credit score the better interest rate you’ll be offered.

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

Before you apply for online loans, you need to carefully check that you can afford the repayments, otherwise it could lead to serious money issues down the line. At the start of the lending process, you’ll see an online loan calculator with all the repayments laid out. Make sure you have enough disposable income to pay back these amounts monthly for the duration of the loan.

Over How Long Can I Pay Back My Loan?

Our short term loans are repayable over 3 month, 4 months, 5 months or 6 months depending on how much you borrow. You can see the loan amounts in durations using the online loan calulcator on the first stage of the application form. Although we don’t offer payday loans, the monthly repayments will need to be made on the day you get your salary.

Can I Repay My Loan Early?

Yes. We believe that no one should pay more interest than necessary, which is why we offer a very flexible repayment schedule. If you can afford to make a full repayment earlier than the contractual repayment terms, you can repay early and save money with no penalty.

You can even make partial payments early. You will only pay interest for the time you had the loan. Most payday loans have a minimum repayment period but we don’t. You can pay your loan after 1 day for all we care!

How Long do your Direct Loans Take?

It takes up to 5 minutes to complete the application, you get an instant decision and the loan reaches your bank account within 1 hour of approval. Unlike other payday loan direct lenders, we don’t require any ID or fax. If you apply on a weekend or bank holiday we will process your application on the next working day.

Can I Get Direct Lender Loans for Bad Credit?

Legend has it that payday loans for bad credit from direct lenders are nearly impossible to find. But this is not the case with QuickLoansExpress. We give you the best of both worlds by looking at your bigger financial picture. If we see that you can afford the loan repayments and you are responsible with your money, we will be happy to fund you the money you need no matter your credit score.

Apply now for a bad credit loan and enjoy getting your loan direct.

Why do you Lend to People with Poor Credit?

At QuickLoansExpress, your credit score means almost nothing to us. In fact, we use a completely different scoring system to what you see on your credit file. When we determine your creditworthiness, we ignore poor credit history as long as you are repaying all your open accounts on time.

We also look at other factors, such as if you can afford the loan or not – which carries more weight to us than bad credit scores.

Can I Get No Credit Check Loans from Direct Lenders in the UK?

These types of loans exist, but we do not recommend using them because they are normally provided by loan sharks. Any reponsible lender will carry out the necessary credit and affordability checks to make sure that the loan will not put you in financial distress.

If lenders offer the following products you should avoid them at all costs:

  • No credit check loans
  • Guaranteed approval loans

Are Online Payday Loans Direct Lenders Safe?

Most payday loans lenders are authorised and regulated by the Financial Conduct Authority (FCA), but you should always check their details on the FCA register and make sure that the wesbite listed there matches the website you are applying on.

Keep in mind as well that broker websites are less safe as brokers tend to sell your information rather than provide the loan themselves.

But isn’t QuickLoansExpress also a broker?

We are primarily a direct lender loans website, however, we can act as a credit broker with your permission if we can’t offer you a direct loan. If you don’t want us to act as a broker, you can opt out of this service at the start of the application form.

How does the loan application process work?

Fill out the online application

First, you need to fill out the online application form. You’ll need to choose the loan amount you need and how long you need the loan for. As of now, we only offer loans over the short term (our average, for example, is 3 month loans). We are a direct lender, and unless you choose the relevant option at the beginning of the loan application, we will not act as a broker.

Get a fast decision

You’ll receive an instant decicion within 90 seconds. At this stage, if we require any further information for you we will contact you. We have a very high acceptance rate, despite our thorough credit checks and affordability assessments.

Since we are lending to you directly, this stage takes much quick than if you apply through a broker service.

Receive loans direct

You’ll then need to e-sign the loan agreement, after which we’ll pay out your loan same day. Once again, we fund all short term loans directly. For you, this means that funding normally takes place within 1 hour of approval.

Are you a Payday Loans Direct Lender?

QuickLoansExpress is a direct lender who offers payday loan alternatives between £300 and £1000 to assist you in emergency financial situations. When applying for credit with us, we will always ensure you a swift and safe payday lending experience.

After applying for a direct lender loan, we will give you an instant decision and if approved, fund you within the hour. We are authorised and regulated by the Financial Conduct Authority, and we believe in fair and responsible lending.

Ready to apply with a trusted UK direct lender?

We’ve helped 1000’s of customers in the UK get a loan direct 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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