FAQ Page - Our Process

If you have an outstanding loan with us and you've changed your bank account, and therefore your card is no longer working, please email or call us to update your payment information. Avoid default payments to prevent increased costs and negative impacts on your credit score.

Our review process takes between 2 - 4 ours for applicants who are not approved immediately. On weekends, this may take longer.

If you're struggling to repay your instant payday loan online, contact us before your monthly repayment is due. We'll work to arrange a repayment plan that suits your current financial situation.

We generally do not contact your employer. However, in some cases, we may need to verify your employment to ensure responsible lending practices and your safety.

If you fail to make a repayment and we're unable to reach you through the provided contact numbers, we may contact you via your place of employment as a last resort to establish communication with you.

Yes, you can apply for a short-term loan with us even if you have a CCJ (County Court Judgment). We will consider you for a loan as long as we can see that your financial situation is improving.

We typically do not require any documents from you during the loan application process. However, in certain cases, to meet our regulatory requirements, you may be directed to our dedicated platform for uploading documents securely. This ensures the swift and safe delivery of your documents to us, allowing us to process your application efficiently.

When you apply for a quick loan with us and are accepted, we will automatically deduct the monthly repayable amount from your account via card on the pre-arranged date.

If you wish to repay early and save on interest costs,you can do so any time via the login area. If you anticipate not having sufficient funds to repay the full monthly loan amount, please reach out to us before the payment date. This proactive approach may help you avoid default fees, and we can explore alternative options that better suit your circumstances.

You can apply for a direct lender payday loan at any time. We process loan applications Sunday to Friday, from 9am to 5pm, and all departments are available for phone inquiries from Monday to Friday, 9am to 5.30pm.

No – we do not charge a fee for transferring the funds to your account.

We charge no additional fees if you keep to your repayment plan. Like most payday lenders, if you default on repayments, then you pay a one-off £15 default fee and 0.8 per cent interest from then on per day until you have accumulated interest of double the amount you borrowed. However, if you are struggling to make repayments, contact us before you default so we can help you set up an arrangement you can manage.

Yes. But you must always contact us first if you wish to do so.

There are some solid reasons to consider Quick Loans Express:

• Speedy Service: We prioritize quick loan processing.
• User-Friendly: Our online application is designed to be straightforward.
• No Pressure: We won't push you for more loans or bother you unnecessarily.

We've listened to feedback from borrowers like you and tailored Quick Loans Express to be a great choice for everyone.

Yes. Whether you have good, bad or fair credit, the loan application and review process is the same.

At Quick Loans Express, we understand that individuals may have varying financial circumstances. We are happy to consider your application for a fast loan if you are on benefits, provided that benefits supplement your income rather than being your sole source of income.

Please be aware that we do not typically extend loans to individuals whose sole income is from benefits. This practice aligns with our ethical guidelines to protect borrowers from debt that they may not have the means to repay.

Yes. If you still have an outstanding balance on a instant loans UK you can repay from anywhere online. However, if you are permanently living abroad then you will not be able to borrow money from us as you must reside in the UK.

If you've forgotten your password, simply go to the login area and click on 'Forgot Password or New User.' We will need to verify some personal details, so you may need to provide certain information before creating a new password.

Quick Loans Express takes complaints seriously. If you wish to contact us regarding a complaint, please email us at client-service@quickloansexpress.co.uk, and we will make every effort to resolve your issue promptly. For detailed information on our complaints procedure, please visit our 'complaints procedure'.

You can contact us any point during every process of your same day loans for bad credit or good credit including the application stage. Feel free to contact our customer support team by phoning us on 0203 909 5555 or email, client-service@quickloansexpress.co.uk. We are happy to talk to you and guide you through the process. We will try to respond within 24 hours (weekends and public holidays excluded).

Regrettably, Quick Loans Express does not provide top-up loans. After you have successfully paid off yourloan, you are welcome to reapply for a second loan. However, please note that the approval process for a second loan will be the same as it was for your original loan.

APR or Annual Percentage Rate represents the cost of the quick loan online over an entire year. Knowing the APR for a loan allows you to easily compare different lenders. The representative APR for Quick Loans Express varies between 690% to 1100%. However, since our cash loans only extend from 3-6 months, it will obviously be considerably less than the representative APR.

Searching for an instant decision payday loan in itself will not affect your credit score. Applying for a loan though will affect your credit score especially if you were not accepted. There are many loan calculators for you to see how much a payday loan will cost you. Quick Loans Express have on here.

We understand that sometimes events happen that prevent you from repaying the fast loan on the specified date. If you feel that you will not be able to repay at that time, the first thing you need to do is contact us. We can offer you several low or no cost options for an alternative repayment plan which may include a penalty-free grace period and breathing space. We like to hear what works best for you and we can try and accommodate this if it is feasible.

You have the right to cancel the loan within 14 days of signing the loan agreement. If you withdraw from the loan agreement, you must repay the money you borrowed and the total interest from the period you had the cash loan . You can withdraw or cancel your loan by contacting us by emailing client-service@quickloansexpress.co.uk or calling us on 0203 909 5555.

Not usually. Quick Loans Express operates fully online, and we would hardly ever ask you to submit extra paperwork when you apply for a same day loan . All the essential details needed to make a decision are submitted with your application. However, please be aware that due to recent instruction by our regulators, our underwriters may occasionally ask you to send in supporting paperwork.

Quick Loans Express believe in lending responsibly and fairly. When you apply with us, we need perform credit checks and assess your affordability. If we feel that you will not be able to make the repayments and it will cause you to have increasing financial trouble, we think it is morally wrong to lend to you. The FCA also has regulations set in place to avoid people falling into subsequent debt.

In order to apply for a cash loan with us, you have to meet the following criteria:
• Be 18 years old +
• Have a valid UK Bank Account
• Be a resident of the UK
• Have a reliable source of income
You do not need to have a perfect credit score to apply with us.