Small Loans Online

Need a small loan to cover an unexpected bill? Get the cash in your bank account so you can pay it quickly - whatever your credit score!

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Decision in 2 minutes

Up to £1,500

3 to 9 months

832.04% Representative APR

Repay early and save

Representative example: Borrow £700 for 5 months. 4 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 0.798%. To compare our loans click here.

Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk.

QuickLoansExpress SMALL LOANS

Quickloansexpress’s little loans range from £300 – £1,500 and are designed to cover small emergencies. You can apply for our small loans and have the loan amount in your bank account within 1 hour, if approved – whatever your credit score!

What is it

Small payday loans from a direct lender.

Who is it for

UK residents with a full-time job

Amount

£300 – £1500

Duration

3 to 9 months

Approval rate

Higher for small loan requests

How to apply

Fill out the online application by clicking the button below

Requirements

Over 21 years old with UK payslips

Good to know

Repay early and save money on interest

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What are small loans?

Small payday loans are when you borrow a small amount of money from lenders or creditors to help cover unexpected bills and surprise expenses. You are usually expected to repay this loan within the month or by the next payday. For some people £50 to £100 loans are considered “small” for others it will be £1000. We allow our approved customers to borrow between £300 and £1,500. Need a small loan? Apply here!

How are small loans different from payday loans?

‘Small loans’ is a general term to describe a loan of a small amount. This can be a small bank loan, a small overdraft limit or even a small personal loan. Payday loans, on the other hand, refer to loans ranging between £50 and £1500 that are borrowed in one lump sum and then repaid every month. Because payday loans are a risky product, they can usually only be obtained in little amounts, which is why they are sometimes referred to as small cash loans as well. Larger loans would be called personal loans.

What do people use a small loan in the UK for?

People commonly borrow small loans in emergencies to get out of sticky situations. It may be you have a desperate car repair, an urgent overdue bill or a medical expense and you need a same day loan quick to ease the financial burden. To find a small loan that suits your circumstances visit our how it works page and then apply today. Do not use a small loan for a long term financial issue. In such a situation seek financial advice- taking out short term loans will only cause you more problems.

Does QuickLoansExpress offer £500 loans and £1,000 loans?

Yes! Are you stuck in a financial difficulty and you need just £500 or £1,000 to get your finances back on to track? Quick Loans Express is here to help! You can borrow between £300 – £1500 to cover those unexpected expenses and to get you out of any tight stops. What’s better, with our monthly instalment loans, you can repay the loan with up to 9 monthly instalments. But if you have the money to repay early, let us know, and we will accommodate this. You will also save massively on the interest rate.

Does Quick Loans Express offer small credit for people with bad credit?

Just because you don’t have a perfect credit rating, it does not mean that you can’t borrow one of our small loans. At QuickLoansExpress, we look at more than just your credit score. We carefully review the financial information you provide and use that together with your credit file from credit reference agencies, to determine whether you can afford to take out credit with us. If you have bad credit history but can afford to make the repayments, then it is possible to receive a small loan after our credit check. Additionally, if you take out a small 3 month loan and make repayments on time, this can improve your credit history, boosting your credit options for the future.

Try our little loans from QuickLoansExpress

QuickLoansExpress is a trusted UK lender that cares. Since we started lending in 2015, we have helped thousands of UK residents find a little loan. We are authorised by the FCA, so you can find us listed on the Financial Services Register. We have a simple online application process, and we provide you with a 90-second decision. If approved, you can get the cash into your bank account in 1 hour. If you have any questions, our customer service team is happy to help. You can contact us via phone and live chat during office opening hours and of course by email. Find out more about us here.

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Applying With Us

Our loan application process is entirely online which means it is simple and easy and requires no paperwork. To be eligible, you must:

Be a UK resident

Hold a UK bank account

18 years +

A regular source of income

QuickLoansExpress is a transparent and a straightforward lending company with no hidden fees and we look forward to assisting you. Apply now and get small payday loan alternative today!

Small Loans FAQs

How do repayments work with small online loans?

Once you are accepted for a loan and get the money into your bank account, you make the first loan repayment in the next month. Our customers make small loan repayments every month for 3-9 months, depending on the loan amount. Payments are made with CPA (continuous payment authority) where the borrower gives permission to the lender to deduct monthly payments as agreed in the contract. At QuickLoansExpress, we do encourage you to make repayments early if possible to save on interest.

Can I get small personal loans with QuickLoansExpress?

QuickLoansExpress offer loans between £300 and £1,500. Personal loans are generally higher. However, if you need between £300 and £1,000, feel free to apply for a loan with us. Our small loans can be a good alternative to small personal loans if you need cash in a hurry. Although personal loans are cheaper, our small loans can be in your bank account within an hour.

Will taking out a small loan have an impact on my credit file?

Taking out a small loan will affect your credit score. However, that impact can be positive if you pay back your loan on time. Taking out a loan and making on-time repayments leaves a good mark on your credit file and shows that lenders can trust you when applying for loans in the future. Of course, late repayment of your loan will negatively impact your credit rating can stop you from getting approved for future credit.

What are the costs of a small loan?

The costs of our loans are explained on the application form. Once you have chosen your loan amount and duration and selected your pay days you will be clearly shown all the payments you will need to make.

Why is it more preferable to use direct lenders over credit brokers?

There are a few reasons why a direct lender may be a preferable loan provider.

Direct lenders will lend you the money directly, and any issues you can discuss directly with them.
A credit broker may pass your information to other brokers, and your personal details may be repeatedly resold.
Using a direct lender can often be cheaper as there are no credit broker fees to pay.

How do I know that your small loans are safe?

Our loans are all regulated by the Financial Conduct Authority and we are authorised under FCA license 714479. You can check this in the Financial Services Register here. People are wary of payday loans due to their bad reputation. That reputation came from people misusing payday loans, borrowing where they could not afford and where it was not necessary. However, if used correctly, payday loans can be a good thing. Besides for only using a lender registered by the Financial Conduct Authority, precautions you should take are:

Make sure you can afford repayments
Don’t take out a loan if you have an existing loan
Don’t apply for a loan if you have friends or relatives who can lend you what you need for free
Keep on top of your repayments. Late payments can result in high fees, and an interest pileup

Apply for our payday loans alternative today!

With our small instalment loans, you can borrow a loan amount between £300 to £1500 and are a great alternative to payday loans since you can make repayments monthly instead of paying everything back at once. Traditional payday loans also enabled bad borrowing habits by allowing rollovers and interest-only payments. Our small loans are responsibly designed so that you always pay back interest- even from the first payment. If you’re looking for a small payday loan online, our payday loans alternatives are a great solution.

Apply for our small payday loans alternative today!

Bad credit score accepted
Monthly loan repayments
Repay your loan early anytime
Flexible repayment terms

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