Instant Payday Loans

Bad Credit Welcome
Same Day Funding
Direct Lender
Up to £2000
Decision in 2 minutes
* Warning: Late repayments can cause you serious money problems. For help, go to
Representative APR 696.83% PA (fixed) 74.19%. Example: Borrow £700 for six months. Repay £1219.32 with six monthly payments of £203.22.
Our APR includes all applicable fees. Total cost is capped at 100% of the amount borrowed. Daily interest is capped at 0.8%.
APR rates vary from 690% to 1100%. Loan periods between 3 and 6 months. Early repayment is possible at any time without an additional fee.
To compare our loans click here.

What is a payday loan?

A payday loan is a cash boost which will help you make it through to payday when you have run out of money. Payday loans are high-interest and are only effective if used on occasion and for the short term. If you intend to apply for a payday, it is imperative that you can afford to make the repayments.

An instant payday loan is when you have an unexpected or emergency expense, and you need a loan fast, so you don’t go into an unauthorised overdraft. If you are looking for an instant payday loan because you want an immediate payout, Quick Loans Express offer an instant decision with a 1-hour payout on most loans if approved.

What does an instant loan mean?

Most people think that an instant loan means you will receive your payday loan instantly after submitting your application. However, an instant loan rarely means that. The delay in funding is due to the approval period that FCA regulated and authorised lender must perform. For most applications, the approval period can take only 90 seconds and the funding on the same day. However, occasionally applications are put under review and underwriters have to get in touch before making a loan decision.

The Benefits Of Using Quick Loans Express

  • 5 minutes to fill out an online application form
  • No paperwork
  • Instant decision and approval online
  • No hidden fees or costs
  • Low-interest rates and APR*
  • Flexible funding and repayment terms
  • High acceptance rates
  • Top rate customer service

You can apply for a fast same day loan 365 days a year, 24 hours a day, seven days a week. The finances you need will be in your bank account, within an hour after your application approval.

Is Quick Loans Express a direct lender?

Yes, Quick Loans Express is an authorised direct lender selling instant payday loans for those facing financial emergencies. By using us as your direct loans lender, you benefit from expert communication, and your personal data is kept safe from third parties. We perform credit checks and affordability checks for safe and responsible borrowing.

How Much Can I Borrow with Quick Loans Express?

You can borrow between £250 to £2000 on our easy payday loans. This applies to new borrowers too. It is best to work out how much you will need prior to applying. You don’t want to be paying interest on unnecessary funds, nor do you want to have to borrow twice. Remember, it is a serious responsibilty to take out a short-term loan from a direct lender and you need to ensure you can afford to make the repayments.

How can I get an instant payday loan with bad credit?

It is easy to apply for an instant loan with bad credit with Quick Loans Express. Although we perform a credit check to check your credit history, we also give weight to your current affordability, for example, your current employment, your expenses, etc. If you have very bad credit, you still have a solid chance of getting accepted for a high acceptance payday loan if we can see you can afford to make the loan repayments.

Is it essential for a payday loan lender to perform a credit check?

According to FCA regulations, a payday loan lender should perform a credit check to assess whether it is safe to lend to the applicant. A credit check is for the benefit of the borrower and is a system that prevents applicants from falling into substantial debt. Most payday loans direct lenders, including Quick Loans Express, will use a credit check to discern how you manage your finance. However, we play a fair game and assess your current affordability too.


Can I get a payday loan if I am receiving benefits and/or I am unemployed?

We do offer payday loans to people on benefits or are unemployed if it is clear you can afford to repay our loan. You must prove you are receiving some income, for example; rental, investment or pension income and that it is safe to lend to you before we can accept your loan application.

Repaying Your Loan

We understand that paying your loan off in full by the payday may be too quick, too overwhelming and it may cause you to default. For your safety and peace of mind, Quick Loans Express grants you the option to repay your loan in monthly instalments. Your loan is spread over a few months between 3 – 6, making your repayments more affordable. Another benefit to our payday loans online with your private login area is you can repay early and save on interest with no extra hassle.

What happens if I can not repay my loan in time?

If you are struggling to repay your loan, you will need to contact us before your next payment is due. Together, we can come to an agreement that puts your financial needs at the forefront.

Apply Now Online

Applying for a payday loan online has never been easier. All you need to do is press the apply button and complete the 2-5 minute application. Upon pressing submit, we will provide you with our instant loan decision, and if approved, we can fund your loan within the hour.

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