Instant payday loans from a direct lender

Get approved online for up to £1,000 from a direct lender, even with a bad credit score. We strive to be the fastest and most affordable payday lender in the UK.
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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 money in your bank account today?

QuickLoansExpress is a premium payday loans direct lender in the UK providing quicker cash loans to people with good and bad credit scores. From the very beginning, we’ve worked hard to create a gold standard for fair borrowing and helped hard-working people meet their short term financial needs. Most banks, brokers and alternative lenders make it impossible for people with a less than perfect credit history to borrow money immediately in their time of need. We’ve stepped in to fill the gap and help people who find it difficult to get instant cash elsewhere.


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Warning: Fast loans are easy to apply for, but are an expensive form of credit and should only be used in emergencies. Late repayment can lead to serious money problems.

At times, emergencies arise when least expected. Your car breaks down, your pet falls sick, or you need to go to the hospital. And when you hit rock bottom, it can be stressful, even getting someone to lend you some cash.

Fortunately, payday loans online are a great way to get money quickly. They are usually helpful when you need quick cash to bridge your expenses or don’t want to deal with the delay of a bank loan. This guide covers everything about instant payday loans in the UK and some requirements when applying for a payday loan.

What are Instant Payday Loans?


Also called a cash advance, instant payday loans are short-term loans you can use to meet sudden and unexpected expenses before your next payday. They are in small amounts and are paid in a shorter period, usually within three months.

A payday loan is unsecured and is based on how much money you earn. You can apply for an instant payday loan online right here on our website.

While instant payday loans have faster approval rates and flexible repayment options, they have high-interest rates. Ensure you make your monthly repayments on time to avoid being charged additional fees.


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How Do Instant Payday Loans Work?

Instant loans provide alternative solutions for UK residents needing a cash boost to cover money problems and financial crises that occur unexpectedly. They are designed to help people with poor credit scores and no collateral, access to funds quickly.

These loans enable applicants to borrow a specific loan amount, paid back within a few months. Since they are unsecured, they require no collateral, and you don’t need to have a perfect credit rating to qualify.

After approval, the direct lender will deposit the cash into your bank account one hour. The repayment term is usually 3-6 months.

How Much Can I Qualify for?

The instant payday loan amount you can qualify for depends on the lender, your income, and several other factors. At QuickLoansExpress, you can apply for £300 to £1000 to help you cover any urgent financial need.

Enjoy flexible repayment periods of between three to six months, depending on the loan amount. Before applying, ensure you check the details of the annual interest rate, APR, and repayment term to ensure you apply for a loan you can afford to repay.

Instant Payday Loan Requirements

Before applying to borrow money in the UK, there are specific requirements you must meet to be considered eligible. These include:



UK resident and living in the UK full-time


A UK bank account to receive funds


A valid phone number and email address


Working in the UK with a minimum wage of £500 per monthe

If you meet all the above requirements, you can apply for an instant payday loan to gain access to funds quickly.

These loans are convenient because they don’t require any collateral, have flexible loan amounts, and you can borrow up to £1000 within an hour.


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Do I need an Instant Payday Loan?

The Association of Business Recovery Professionals (R3) conducted a study to see how UK residents would cope in an emergency situation. A third of the respondents said they would find it “somewhat difficult” to settle a £50 bill, while 47% said the same about a £100 bill.

Another 60% said they would struggle to settle a £250 bill, and 67% would find it challenging to cover a £500 bill. Although this was a controlled study, it could mean that over half of UK residents are just one £500 emergency away from losing financial stability.

In tough situations, you may need an instant payday loan to cover an emergency expense when you don’t have enough money to cover it. Some of the emergency expenses you can apply for an instant cash loan include:

  • Car repairs
  • Emergency medical bills
  • Home repairs, including roofing and plumbing issues
  • Funeral expenses
  • Large unexpected bill

How to Apply for an Instant UK Payday Loan

When you apply for an instant payday loan online with a direct lender, you can have the money deposited into your bank account within an hour. QuickLoansExpress is a leading payday loans direct lender in the UK, offering a wide range of financial products, including instant payday loans with bad credit to UK residents. Here is how you can apply for an instant cash loan with QuickLoansExpress:

Fill Out the Payday Loan Application Form Online

Getting started is easy, simply fill out and submit the application form in 3-5 minutes. You can apply for payday loans up to £1,000.

Get a Loan Decision

Once you submit your payday loan applications form, you will get an instant loan decision within 90 seconds. If we’re unable to fund your online loan, we can instead help you find another lender through our brokerage service.

Access the Cash

After approval, we’ll deposit the funds directly into your bank account with the full loan amount within one hour. If you have used our broker services to find a lender, you will still receive the money within the same day. We don’t charge extra fees for this service.

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Do I Qualify for a Payday Loan with Bad Credit?

With the rising unemployment rates and challenging economic times, 15.6 million UK residents have poor credit scores (according to research by Tymit) and find it hard to access loans from financial institutions. Debt delinquencies, failing to make payments on time, and bankruptcies all lead to bad credit scores.

This makes it hard to qualify for loans from traditional financing institutions. They consider borrowers with bad credit as high risk, which makes it difficult to offer loans with competitive rates. However, if your credit score is less than perfect, you can still qualify for a payday loan.

Direct online lenders don’t solely look at your credit score to determine your eligibility. Instead, they review other aspects, including your ability to repay the loan, and employment status. Sill, it is wise to look back at the past six years and see if there’s anything you can do to improve your credit score.

Quick Loans Express has a scoring system that considers your income, debt to income ratio, and employment status. This means you can apply for a payday loan with us even if you have bad credit.

Benefits of Instant Online Loans

Instant online loans are some of the most preferred forms of finance by people with bad credit. Unlike other types of loans, there is no lengthy application process. You also don’t need to apply in person or provide any collateral. You need to meet a few eligibility terms and conditions, and you can access funds ranging from £300 to £1000. Some distinct advantages of instant online loans include:

Easy Online Application

Instant cash loans are applied for online through an easy loan application process. They provide instant cash relief when faced with emergencies. This is particularly beneficial when you have an urgent need for cash. Just spend a few minutes filling out our application from the comfort of your home.

Instant Decision Time

Unlike brick and mortar lenders, where you have to wait for several days before your loan is approved, online lenders allow you to submit an application and immediately get a decision. Payday lenders require no credit score to provide instant online loans. If approved, you can get cash funded into your bank account within 1 hour.

High Approval Rates

Traditional lenders like banks and credit unions rely heavily on credit scores to assess eligibility for financing and loans. Because of this, having a bad credit score will make it difficult to get a loan. However, payday lenders are able to base approval off of additional factors for your loan application. This makes it possible for borrowers with a less than perfect credit to still be able to access funds quickly.

Flexible Loans and Repayment Plans

Instant payday loans are flexible and can be used to meet several financial needs. Whether you need money for an emergency, home repairs, or medical bills, payday loans can help you with any urgent financial need. They also have affordable repayment plans that allow borrowers to repay the loan over several months.

Common Questions on Payday Loans in the UK


While instant cash loans have become popular with UK residents, most people still don’t know much about them. If you are interested in getting a payday loan, below are some frequently asked questions that can help you understand the lending process:


What is a payday loan?

Payday loans are small unsecured loans that are lent with high-interest rates. These loans are usually repaid over a few monthly instalments on the borrower’s payday. Payday loans have been designed to help borrowers finance short term emergency expenses.

How fast can I get the money once approved?

If approved for a quick payday loan online, it can take us as little as 1 hour to deposit the money into your bank account. However, this depends on many factors, including; whether you apply on a working day or weekend and if your bank supports faster payments.

Can I get payday loans from a direct lender with no credit check?

Payday lenders are recommended to do credit checks on all applicants. However, even though we do not offer loans with no credit checks, we offer bad credit payday loans. You do not need to worry about having a poor credit file as we also take other factors into account when approving applicants. You should keep far away from payday lenders offering you a payday loan with no credit check and guaranteed approval as they are probably not FCA authorised and could be unsafe. Always check the financial services register to see if the payday loan companies you are considering are fully FCA approved.

Is QuickLoansExpress a high acceptance payday loan direct lender?

Yes, we have high acceptance rates on all our direct lender loans, regardless of your credit score. We believe that everyone deserves a fair chance to credit when they need it. If we can’t fund you the loan ourselves we can activate our broker services free of charge to help find you another lender.

Can I apply for loans 24/7?

You can apply for an instant payday loan with us, 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 and weekends. We process applications Sunday through Friday, and the finances you need will be in your bank account within an hour after your application is approved.

Can I get payday loans with no brokers involved?

Instant payday loans with no brokers are available from QuickLoansExpress. We are a direct lender first and foremost, and offer payday loans with fast payout once approved. If we cannot fund you an instant payday loan, we will ask if you want us to act as a credit broker. If you do not want to take advantage of this service, do not tick the relevant box at the start of the loan application form.

Do you offer payday loans on benefits or for the unemployed?

When applying for a loan, you need to have some source of income that can prove you can afford the loan repayments. Without a reliable source of work income, most payday loan lenders will not lend to you. However, when applying for quick and easy loans with us, we require you only to prove you have a reliable income. This could be in the form of benefits as long as it is substantial enough for you to be able to make the monthly repayments after your regular monthly outgoings.

What is a cheap payday loan? Does everybody pay the same?

There is no such thing as a cheap payday loan. By definition, a payday loan is a form of high-cost credit. People with a good credit score will be able to access low-interest payday loans. However, payday loans for bad credit usually have higher interest rates attached. The good news is that at QuickLoansExpress, we don’t differentiate between credit scores. We are a fair and transparent direct lender and provide the same interest rates to everyone!

What if I can’t repay my loan?

If you find that you cannot repay your payday loan within the fixed period, you can contact our friendly team, and they will do everything they can to help you put an affordable plan in place.

Can I borrow a loan with no guarantor?

Yes. If you’re looking for instant loans with no guarantor, we can help. We don’t require you to cosign with a guarantor on any of our fast payday loans.