Responsible lending is paramount to Payday Express' online cash advance service

At Payday Express we provide payday cash advances, where customers can borrow the little bit of extra cash they need to bridge the gap between when they need money and when they are paid.

This service is geared towards the borrowing needs of customers, since it enables them to borrow a relatively small amount of cash at the time they need it (such as when their washing machine breaks) and to then repay this once cash flow is no longer an issue, namely on payday.

Customers apply on our website for an online cash advance and we make every effort, during the application process to assess that they can afford the cash advance loan and will be able to repay it on their next payday. We do so by carrying out various checks and processes to verify the details they have supplied on their application form and their credit worthiness.

We have no need to target people with debt problems, since their ability to repay our payday cash advances would be compromised. We are only interested in lending to customers that can afford to repay their cash advance loan. As such, we also do not lend to anyone that is unemployed, since a cash advance payday loan is designed to be just that - an advance on your wages that is repaid on your next payday. We will, therefore, not lend to anyone that does not receive a regular wage, earning a minimum of £750 a month after tax, and this includes students and those receiving tax credits or benefits who are not employed.

We only lend to customers we believe can repay their payday cash advances, and we will not deal with customers if we have any question about their identity or authenticity.

Once approved for a cash advance payday loan the customer is provided with a clear and transparent contract, which he/she is not obliged to execute unless he/she chooses to do so. We aim to continue to communicate clearly and in a transparent fashion to the customer in all our dealings with him/her regarding his/her cash advance loan.

We are helpful and polite to customers. Maintaining high levels of service and customer satisfaction is paramount at Payday Express. By offering customers an online cash advance service, we meet their need to get a cash advance now, which is generally the case when they need a bit of emergency cash to cover unforeseen expenses. Once the customer has been approved for a cash advance loan online, we aim to get them their cash quickly and courteously. Our Customer Support agents are discreet and committed to high standards of customer service in all their dealings with customers.

We always aim to lend responsibly and, at the same, urge any customer wanting to use our online cash advance service to also do so responsibly. We recommend that, before applying for a cash advance loan, you assess your finances and ascertain whether you have a short or long term cash flow issue. Payday cash advances are designed as short-term solutions to credit needs. Therefore, you should only apply for a cash advance loan if you are confident you will be able to repay it on your payday.

If what you need is a cash advance now, to cover emergency or unforeseen expenses that can't wait until payday, and you will be able to repay the loan on payday, then our online cash advance service is here to help out.

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Pay only £100 for an £80 loan. 1737.2% APR typical. The total amount payable of £100 is repaid on your next payday (within 47 days) when we debit your account.