Looking for instant payday loans? Quick Loans Express specialises in instant decision loans with same day payout if approved. Your loan can be in your account within one hour of approval. Apply now for up to £1100. We are an FCA-authorised direct lender you can trust and we welcome people with bad credit to apply too.


Your Questions? Our Answers

Do You Provide Instant Decision Loans?


Although instant decision quick loans exist, some say that there is no such thing as an “instant loan” because most loans need an application and approval process. However, at Quick Loans Express, our application usually takes a couple of minutes to fill out. You will receive an instant decision to your application, although in certain cases, we may need to look at your application a bit further. In that case, the decision will take no longer than half an hour. We will proceed with our standard checks which usually takes around 30 minutes after you have submitted your application. We like to think the process is convenient for our customers although we are unable to grant every applicant an instant loan. Either way, you will find out our decision within around 30 minutes.

Quick Loans Express, one of the most secure payday lenders online understands that sudden things occur, and payday may be too far away for you to get the income you need today. That is why we offer online easy quick loans that can help you make it through a time that is challenging.





How Quick Loans Express Online Payday Loans Are Unique
Firstly, we offer a completely transparent service that allows you to apply for and obtain an instant online decision within a matter of minutes. Once accepted, we make an effort to transfer funds to your selected banking account within 1 hour of your application. Our customers require payday loans with instant payout, and that’s why we pride ourselves on our fast cash transactions.
Transparent Service
Furthermore, we are very likely to beat the costs charged by the majority of UK payday lenders in the industry. Our approval rates are also very high.
Lower Charges
In addition, our efficiency is due primarily to our easy application process, which doesn’t need paperwork or any comprehensive information. This shortens the process of getting instant loans immensely. You can begin to understand why we can assist you with your cheap same day loan UK so efficiently. This is because you can complete the entire process online.
Efficient and Easy Application
Our customers look to us, on account of our effective service every time they come across financial problems.  We owe a great deal of our success to our customers who spread our name via recommendations.
Top Notch Customer Service


How Long Does it Take to Receive the Instant Payday Online Loan?

If approved for our instant decision loans, it can take us as little as 1 hour to deposit it into your account. However, this depends on a lot of factors, including; working day and weekends and your bank. Quick Loans Express affords you the ability to manage your finances, as there is no way to know when you could need the extra support. Rather than finding yourself dealing with late fees, unpaid bills or other expenses, you can get the temporary aid you need, if you want it. By providing you with your loan in the shortest amount of time possible is it surely going to put your mind at ease.

How Much Can I Borrow?

You can borrow from £200 and up to £1100 on our direct lender loans. This applies to new borrowers too. Our small instant payday loans, are designed to help you in an emergency or to pay your fees on time. However, they should not be used as a long term fix. If used incorrectly, payday loans can only make the situation worse.

Instant Payday Loan £800 over 2 months

If you repay your entire loan after: Amount of interest you’d pay Total saved through early repayment
5 days£28.00£272.38
10 days£56.00£244.38
20 days£112.00£188.38
1 month£173.60£126.78
2 months£300.38£0

The Benefits Of Using Quick Loans Express


  • 5 minutes to fill out an online application form
  • Instant decision and approval online
  • No hidden fees or costs
  • Low-interest rates and APR*
  • Flexible funding and repayment terms
  • Cash deposited in an hour
  • Strict data protection
  • FCA registered
  • High acceptance rates

You can apply for an instant loan 365 days a year, 24 hours a day, seven days a week. Throughout the day, in the middle of the night, and also on bank holidays. The finances you need will be in your bank account, within an hour after your application approval.



Quick Loans Express Have No Hidden Charges


You will know exactly what you are getting when applying with us, as our application is exceptionally straightforward and there are no hidden fees. We’ll never charge you a service payment as applying with us is wholly free of charge. Our financing team will be with you every step of the application procedure to offer you with assistance and give you advice.

  1. Apply anytime
  2. In most cases, we process applications within 30 minutes

Using Our Loans Responsibly


Please keep in mind that while people use Quick Loans Express every day, our short term loans are designed to be used responsibly. They are here to make it easy for you to look after the costs that cannot wait so that you may start saving money for the next time you have unexpected expenses. Always make sure to use a trusted, FCA- authorised lender who will help you get your finances in order.

The loan is usually repaid on your next payday, with a fixed amount of interest. Cash loans are transferred into the borrower’s bank account, and she or he will probably use the funds until the next payday. The power of one of these loans is that although lenders will perform credit checks, you may receive an almost immediate acceptance and fast deposit of funds. Typically, people with poor credit rating will be the people who benefit from Instant loan companies. Instant Loan lenders provide quick service during an emergency. Once your application is authorised, the lender can transfer your funds to your banking account within several minutes.


QLE do not require explanations of what your loan is for, though banks occasionally tend to request this information.




Instant Cash Loans


Many people have started searching for quick cash loan or instant cash loans lenders in the UK. This is because people expect everything nowadays to be instant, getting a quick cash loan should be no different. That’s why you can apply for instant cash loans today. You get them online or in a money shop. However, we recommend you apply for cash loans online as they are a lot quicker and hassle-free. If applying for one of our quick money loans, you will receive an instant decision.


How Soon will I Get The ‘Instant Cash’ Loan in the UK?

What exactly is an instant payday loan? Within one hour? By the next business day? Within several hours? Our quick cash loans are deposited into your account within one hour after you have been approved for the loan. We are not experts in measuring speed, but should you ask us, that’s a quick turnaround from once we’ve reviewed an application to the time you receive cash in your bank account if approved.


Although we do not offer cash loans at your door also known as doorstep cash loans, you can take it out of your nearest cash machine as soon as we have wired you the money. We do not recommend applying through a broker online as they can take longer to process the application. Instant payday loans no brokers are available here at Quick Loans Express.


Does Quick Loans Express offer instant cash loans for unemployed or people on benefits?

When applying for a loan, you need to have some source of income that can prove you will be able to make the loan repayments. Without a reliable source of work income, most lenders will not lend to you. However, when applying for quick, easy instant cash loans with Quick Loans Express, we require you only to prove you have a reliable income. This could be in the form of a monthly wage or income from a tenant, etc. The same applies to people searching for quick cash loans on benefits.



Why do people turn to instant cash loans?



Car Repair LoansIf your car breaks down, you need to pay for urgent car repairs. Instead of waiting until you receive your next paycheck, a quick loan can help you pay for the repairs today, getting you back on the road as fast as possible.APPLY NOW
Loans for Unexpected BillsPushing off paying your utility bills can mean huge fees and interest charges. Sometimes it gets to the point where you are at risk of getting cut off from your water, electricity or gas supply. Instant payday loans will help avoid any penalties resulting from not paying your bills.APPLY NOW
Loans for RentRent is one of those bills that are pretty fixed. If you have run out of cash and can’t pay your rent, you should first try to speak to your landlord. However, if you can’t push off paying your rent, you might be able to take a fast online loan to gather the required funds.APPLY NOW
Mortgage LoansPaying your mortgage is also one of those bills that need to be paid on time. A cash advance with same day payout can be a last minute solution if you don’t have the money to pay your mortgage this month.APPLY NOW
Medical ExpensesMedical emergencies are one of those things that crop up and need immediate funds. But often, your paycheck will just not stretch that far. A payday loan cash advance brings your payday early, allowing you to pay for your medical expenses when you really need them.APPLY NOW


Quick Loans Express has high acceptance rates. We provide great APR rates to the consumer.  Upon authorisation, you’ll have the loan amount deposited into your bank account on the same day, when possible.




Are Our Instant Loans Safe?

In this fast-paced electronic world, entering into a loan contract involves consideration and careful thought. Consequently, instant loans could be rather dangerous. However, at Quick Loans Express, we make sure not to skip any of the vital decision-making steps to fund the loan quickly. Still, we offer instant loans online no guarantor, no paperwork and no fax to avoid as much unnecessary hassle as possible. Furthermore, we are an FCA authorised lender. Quick Loans Express is based in the UK and therefore bound by the laws of the country. We take care to ensure all our payday loans are fair and moral.


No Credit Check Loans Instant Decision


If you have bad credit, you may be looking for a lender that does not carry out a credit check before lending you money. No credit check loans are illegal in the UK. If you do find a no credit check lender who is willing to give to you without a credit check, it could be dangerous for you to do so as your safety is not the lender’s priority. Loans for bad credit are available from responsible lenders online who are licensed by the FCA. At Quick Loans Express, we do offer instant decision payday loans for bad credit.



I Have a Bad Credit Score; Can I Get a Loan?

Yes. You might be wondering why lenders like Quick Loans Express will lend to customers who have bad credit. Normally, lenders will not give fast loans online for bad credit instant decision as they are taking a larger risk by lending to someone with a bad track record. However, at Quick Loans Express, we believe that our customers are better than their credit score. Instead, QLE might focus on other aspects of a customer’s situation, such as their ability to repay the loan.

We offer loans for bad credit, no guarantor, no fees, instant decision; we aim is to give our instant payday loans with the least amount of hassle, but a high level of responsibility and care. Quick Loans Express doesn’t only lend to people with a great credit score; we also give loans for people with bad credit – instant decision, no fees!


Instant Cash Loans for Poor Credit

Instant cash loan services come to the rescue when you have a poor credit history, and most financial institutions won’t agree to offer you a loan. Payday loans instant cash companies are there to provide you with a quick loan despite having a poor credit history. Provided that the customer meets the particular requirements of the loan company, which often entails paying a higher rate of interest, he or she could benefit from the advantages of the loan from the company. You can often use these instant cash loan services online. They are usually short term solutions to a person’s unexpected expenses.




What Happens if I Can’t Repay my Loan?

Typically, the capability to repay the interest together with the loan is guaranteed through the credit checks that all FCA authorised lenders perform. They’re usually an expensive solution to an investment management problem.  Payday cash loans are short term loans that have a considerably high level of interest.


If you find that you are unable to repay the loan within the fixed period, you will often be able to refinance your loan. This will mean increasing the interest cost for that continuous period of the loan. People often turn to instant loans when they don’t meet their monthly expenditure needs. Unless, of course, you maintain a proper spending budget and also have control over your expenses, you’re likely to face this problem.


Our loan application process itself will be a lot faster and far less strict than other organisations. For example, banks or building groups require payslips and bank statements.


Find out about different types of Fast Loans UK

Type of Loan What they are for How to apply

Express Payday Loans

These unsecured fast loans are simple to be eligible for, as a typical fast payday lender may give you an instant decision or approval immediately. After applying, you should receive an immediate response, but you will get your final lending decision in up to 30 minutes.


Once you apply, if you are approved, you’ll receive an e-mail with no obligation on your part, to peruse for your acceptance. You then decide whether the loan and its terms meets your needs. Once you sign the contract digitally, the money transfers to your account within just a few hours.


Apply Now for a Fast Payday Loan

Cash Advance Loans

With a direct cash advance, you’re less inclined to default. The amount you expect from your next check will cover the loan you have received, eliminating the cycle of debt. This protects you from debt and also keeps your lender protected as well.
A cash advance is advantageous because it’s quite easy to apply for and is convenient given that most lenders work beyond regular bank hours.  Each lender will have a list of criteria that you will need to qualify for the loan.

Apply Now for Cash Advance Loans


Speedy Money Loans

With our fast money loan application form, you could be approved for a quick cash loan in a matter of minutes. You need to have a regular salary or wage income from employment that your employer pays directly into your bank account.
Whenever you apply for an unsecured money loan online with a reliable lending company, you will need to fill in a few financial facts about yourself. You will then receive a lending decision of whether you are approved for a quick cash loan.
Apply Now for Fast Money Loans


The Benefit of Using a Payday Loans Direct Lender


  • Speed
    Using a direct lender online for a payday loan allows for faster and better communication between lenders and borrowers. It only makes it more instant.
  • Data Information is Kept Private
    Applying to a broker means that your data is shared amongst the lenders even if they do not provide you with an instant payday loan. Once they have your contact information, you are likely to receive annoying calls, texts and emails. When applying to a direct lender, there is no go-between, you only share your data with them.
  • No Extra Fees
    There is no third party so, therefore, no extra fees. A direct lender will only keep costs down.

Instant Payday Loans with Bad Credit from Direct Lenders

Legend has it that people with bad credit find it very hard to get instant payday loans from a direct lender. The belief is that loan applications through a broker will give you a higher acceptance rate although the interest rates may rise dramatically. However, all legal and responsible direct lenders, regulated and authorised by the FCA must perform a credit check and assess affordability. The rules are to protect vulnerable people from debt.

However, applying with us as a direct loans lender in the UK will get you the best of both worlds. QLE look at the bigger picture and have a high acceptance rate. If you are looking for a no guarantor, direct payday loans for poor or bad credit with no fees only, you have come to the right place. As a direct lender, bad credit does not deter us from lending to people who can afford monthly instalment repayments who need the payday loan in an emergency.

Can I get a no brokers loan instantly?

When looking for an instant payday loan with no broker, make sure to do your research well. Confirm they are an FCA authorised lender and deal responsibly with their customers. Quick Loans Express are a direct lender and offer instant loans with same day payout once approved.



Which Online Payday Loans Direct Lender Should I Avoid?


Navigating the online direct lender payday loans market is difficult, and especially if you don’t know what is legal. Whether you are looking for small loans of £50, £100 or even £200 or even something larger like £1000, if direct lenders offer the following things you must avoid them:

  • No credit check loans
  • Guaranteed approval loans
  • Instant approval

Furthermore, always check direct lenders for a clickable FCA authorisation company number. Quick Loans Express is a reliable FCA authorised direct lender that cares about your safety. This is our FCA authorisation. We offer poor credit cash advances in 1 hour if approved and you can repay in instalments.


Instant Loans UK

Applying with Quick Loans Express

Quick Loans Express is part of a fantastic group of financial service sites offering affordable short term loans and high acceptance of fast payday loans in the UK. We support thousands of people by giving an honest, reliable and affordable service daily. QLE recognise that being confronted with economic difficulties can be a stressful prospect which is why we are passionate about encouraging you every step of the way.


At Quick Loans Express, we ensure our clients have total control over their payday loan. This enables them to pick the precise amount of cash needed for the specific period that they need it.


Get our Easy Online Payday Loans Now!


Finding online loans can be a daunting task. Quick Loans Express aims to make it a quick and safe online borrowing experience and is a smart choice for your bad credit or ordinary online loans in the UK. We are an FCA authorised direct lender that is here to help solve your money quandaries. It’s easy. To apply for our online loan just fill in our simple online loan application, and we will give you a decision in 90 seconds. If approved, we do our best to deposit the money in your account within 1 hour. New borrowers can apply and borrow up to £1,100. QLE welcome people with bad credit to apply for our loans too.


Access your instant loan online now! No waiting time, no fuss, just a straightforward and swift legal borrowing solution for you.



Written by: Karen Michaels
The article "Instant Payday Loans" was last modified on