Rapid Direct Lender Loans

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.

Why Get Direct Lender Loans from Here

QuickLoansExpress is one of the leading direct lenders for online short term 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 bank account if approved. Applying directly with a lender like us Express allows for a quicker decision time and a one-hour loan payout if you pass affordability and credit assessments.

  • 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 cash 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.


Do you Offer Short Term Loans or Payday Loans?

We offer safe online short term loans. Unlike traditional payday loans, our loans are repaid in instalments and not in one lump sum. Although short term finance does not need to be repaid in full before your next payday, it is still an expensive form of credit like payday loans and should only be used as a final resort.

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.

Can I Get Direct Lender Loans for Bad Credit?

Legend has it that 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 ccredit 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.

What Happens if I can’t Pay Back the Loan?

If you’re reading this, you probably haven’t borrowed a loan yet so if this is your question, STOP, and consider if a payday loan from a direct lender is what you should be searching for. If you’re not sure that you’ll be able to pay the loan payments on time, maybe you need to seek help with your finances. Payday loan debt can spiral, especially once late payment fees are added so consider evry carefully if you need a loan or can manage without it.

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?

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 (over 3 to 6 months). 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.

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.

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 FCA, and we believe in fair and responsible lending.

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.

What our customers say about us:

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