Same Day Loans within 1 Hour of Approval | Quick Loans Express

Same Day Loans

Need a same day loan for an emergency? Get the cash in your bank account today, even with bad credit. Easy monthly repayments.

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

Looking for a same day loan? Apply now for £300 – £1000 and get an instant decision. If approved, find the money in your bank account same day – even on Sundays. At Quick Loans Express we offer affordable interest rates no matter your credit history!

  • Get funded within 1 hour of approval
  • No surprise fees or early repayment penalty
  • Apply even with a poor credit score
  • Representative APR: 611.74%

1 hour loans – Apply Now

How Do Quick Loans Express’s Same Day Loans Work?

Our same day loans are simple and easy to apply for and manage. We know you want to receive fast responses and immediate action when applying for a loan which is why we’ve made our process as straighfoward as possible. Here’s how the loan application process works:

  1. Fill out the online application
  2. Confirm your email address and mobile number
  3. Get an instant decision
  4. If approved, get a no obligation quote
  5. Sign the consumer credit agreement digitally
  6. Money to your bank account same day
  7. Flexible repayment (3 months – 6 months) via debit card
  8. Pay back early anytime and save money

So if you want to borrow one of our short term loans, even with a poor credit record, you can fill out our application form and get funded today, if approved. When you apply for a loan with us, you do not need a guarantor.

Apply today!

Can I Apply for a Same Day Loan with Bad Credit?

Yes, we always look beyond your credit score. If you can afford to repay the loan without hurting your finances and you meet the following eligibilty criteria, we will happily consider you loan application.

Be a UK resident

Hold a UK bank account

18 years +

A regular source of income

Applicants need to show that they can repay whatever they borrow. However, it does not mean you can’t apply with a poor credit score or no credit history. We specialise in helping people with all types of credit scores, and understand that people with poor credit often need access to money the most.

Apply now!

What Is a Same Day Loan?

Same day loans refer to getting approved and receiving your money on the same day that you submit your loan application. They are designed to help you in times of financial emergencies when you need cash immediately. Apply today and receive an instant decision. We will fund you the small loan today if approved and on most days you will receive the loan in your bank account in under an hour!

We do not charge customers a fee for our same day service, but please be advised that even if we fund your loan same day, how fast the money arrives will depend on your bank’s faster payment policy.

Can I Get A Same Day Loan 24/7?

You can apply online for our same day cash loans 24 hours a day, 7 days a week. We know that people who apply for same day loans are often in a tight spot and need the money fast, so we are committed to processing same day loan applications quickly.

Does Quick Loans Express offer £500 loans and £1,000 loans?

If you’re stuck in financial difficulty or have limited credit options to a poor credit rating, we offer same day loans and payday loans of varying amounts.

You can borrow between £300 – £1000 from Quick Loans Express to cover those unexpected expenses and to get you out of any tight spots. What’s better, with our 6 month loans you can pay in up to 6 monthly instalments. We accept customers with bad credit scores as long as they pass our affordability test and our other eligibilty criteria. We always pay the money into your UK bank account on the same day as loan approval.

Can I Get Same Day Loans If I’m On Benefits?

To apply for a loan with us you must have a steady source of income. We only approve loan applications where the applicant can prove that they can afford the loan. If you have a steady income from benefits you will be eligible if your budget leaves you enough to make monthly loan repayments.

What if I Can’t Repay My Same Day Payday Loan?

If the date of a repayment arrives and you can’t afford to make the payment, you may be able to refinance your same day loan. This means increasing the interest cost for that period. If you are in real financial difficulty, contact our team to arrange an affordable repayment plan.

As a reminder, before applying for a same day loan online, make sure you have a realistic plan for making repayments. Making a late repayment ends up expensive, and taking a payday loan you cannot afford can cause you serious money issues.

What Can I Use Quick Loans Express’s Same Day Cash Loans For?

Our short term loans are designed to help you with emergency funds when you need to cover an emergency expense. For example, to assist you for car repairs, broken washing machines or to pay off urgent bills before payday.

A same day loan is unsecured and should only be used for short term financial assistance and not to treat long term money issues. If you are struggling because of debt, there are many places to turn for support and advice.

Beware of Lenders Offering Same Day Loans with No Credit Check

The Financial Conduct Authority consider same day loans without creditworthiness checks in the UK unsafe and irresponsible. This is because if you have a poor credit rating, it may indicate that you cannot afford the loan. Responsible lenders will investigate your credit history to ensure that you dont take out a loan and then end up in financial trouble as a result.

Any lender that does not perform a credit check or offers guaranteed same day loans can cause you severe money problems. We do not recommend you use them. There are many debt charities like StepChange that can help you if you are struggling to get a loan. Only borrow from an authorised and regulated lender. You can check this on the website of the Financial Conduct Authority (FCA).

Are Quick Loans Express’s Loans Right for You?

It’s important to carefully consider any credit that you apply for. Do you need to borrow? Maybe you can ask a family member for help instead. If you do need to borrow, have you considered cheaper options? Like a bank loan? Always exhaust all your options before applying for short term credit

If you have decided that a payday loan is the way to go, carefully consider what loan amount you can afford. Our same day loans online can be a viable alternative to payday loans because they offer:

Flexible Repayments

You don’t need to repay the loan by the next payday, as with payday loans. Instead, you can repay in monthly instalments. If you have the money earlier, you can pay it back early and save on interest charges. You can even make partial early payments to bring down your total repayment.

Bad Credit OK

We’ve been specialising in bad credit loans for over 5 years. Even if you have a less than perfect credit score, you can still apply. Although we look at your credit file when you’re obtaining credit, we care more whether you can afford the loan or not.

Trusted Direct Lender

We lend fairly and responsibly, using credit checks and a thorough affordability assessment. Our customers financial safety is always of upmost importance.

Click here for our application form

Why Should I Choose Quick Loans Express as my Same Day Loan Direct Lender?

Quick Loans Express is a same day loans direct lender that has helped 1000’s with financial emergencies in the UK. We are an authorised and regulated lender that will only lend to those people who can afford to make the repayments. We offer several different financial products including instant payday loans, and 6 month loans. You can learn all about us here.

Are you a broker?

We are one of few direct lenders in the UK that also offers broker services. What does this mean? It means that if we can’t directly offer you a loan, we will ask you if you’d like us to search for another lender that can approve you. If you do not want to take advantage of this service, just don’t tick the box at the start of the application form.

Please be advised that we are an authorised credit broker, so your contact details are safe. It’s important to mention that although we do offer same day short term loans, we cannot guarantee that you’ll receive a loan same day if we find you another lender to work with. If you have any questions, feel free to contact us today on 0203 909 5555.