Payday Loans from a Fast Direct Lender | QuickLoansExpress

Payday loans

Get approved online for up to £1,500 today. We are a payday loan direct lender. As our name, QuickLoansExpress, suggests: we strive to be the fastest and most affordable payday lender in the UK. We have already funded over 170,000 people.
Bad Credit Welcome
Same Day Funding
Direct Lender
Up to £1,500
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
QuickLoansExpress PAYDAY LOANS
Img 01 What is it

An online payday loan product from a direct lender.

Img 02 Who is it for

People that live and work in the UK

Img 03 Amount

£300 – £1500

Img 04 Duration

Payback in 3-6 months

Img 05 Approval rate

High, also for people with bad credit score

Img 06 How to apply

Apply online on our site. applications take 3 minutes

Img 07 Requirements

Age over 21 with payslips in the UK

Img 08 Good to know

We accept people with all credit scores.


Why do so many people trust QuickLoansExpress with their money needs?

The answer is simple: we respect everybody and will work hard to help. QuickLoansExpress has been serving people in the UK since 2015. We always give our customers complete control over their loans.

From the very beginning, we’ve worked hard to help 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.

QuickLoansExpress is a trusted payday loans direct lender operating exclusively in the UK.


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.

QuickLoansExpress for emergencies

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 urgent cash to bridge your expenses or don’t want to deal with the delay of a bank loan. However, online loans should only be used when all other options have been exhausted as they are expensive.

What are QuickLoansExpress Payday Loans?

Also called a cash advance, our payday loans are short-term unsecured 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.

You can apply for a payday loan online right here on our website.

While our 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.


How Do Payday Loans Work?

QuickLoansExpress 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?

Depends on the lender, your income, and several other factors. At QuickLoansExpress, you can apply for £300 to £1500 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.

QuickLoansExpress Payday Loan Requirements

Before applying to borrow money on our website, 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 our direct 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.


Do I really need a 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 a quick payday loan to cover an emergency expense when you don’t have enough money to cover it. Some of the emergency expenses include:

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

How to Apply for a UK Payday Loan

When you apply for a 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 payday loans for people with bad credit. Here is how you can borrow money quickly 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.


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 QuickLoansExpress Online Loans

QuickLoansExpress 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 £1500. Some distinct advantages of our loans include:

Easy Online Application

Fast cash loans are applied for online through an easy loan application process. They provide 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 fair online loans. If approved, you can get cash funded into your bank account within 1 hour.

Flexible Loans and Repayment Plans

QuickLoansExpress 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.

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

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.

Common Questions on Payday Loans in the UK

While our 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 QuickLoansExpress 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?

We always do our best to consider every application favourably. 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 online 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?

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

Are you a Payday Loans Direct Lender?

QuickLoansExpress is a direct lender who offers payday loan alternatives between £300 and £1500 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 a quick 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.

Please note: QuickLoansExpress does not provide business loans, but we work with trusted partners to offer business loans in the UK and small business loans in the USA.

Ready to apply with a trusted lender?

QuickLoansExpress’s flexible payday loans alternative includes full flexibility, early repayment and easy instalments, together with a super-fast loan process.

Our mission is not only to get you the money you need fast but to support you throughout the entire process. That’s why we’ve made our quick and simple application form online into a secure AMP page. It’s your money, so don’t compromise!