If your financial planning has gone awry one month and you need a bit of extra cash til payday, a quick cash loan from a reputable payday loan company could give you that extra money you need to tide you over until your next payday.

We at Payday Express provide payday loans valued £80-£800. However, we do restrict the amount of a first time loan to £400. Once you have established a payment record with us you may be eligible for a limit increase up to £800, subject to status and earnings. While we make every effort to determine how much you can afford to repay on your payday (since payday cash loans are designed to give you cash till payday, at which point they are due to be repaid) we recommend that you only borrow as much as you are confident you will be able to repay.

Payday cash loans do not pretend to be low rate loans. However, just like a taxi is not always the cheapest transport option, it is sometimes worth paying for because it is the quickest and easiest option. The value in our service is not low interest, but the speed and ease with which we provide access to extra cash.

A Good Solution to Short-Term Credit Needs

Just as you would not take a taxi to go between Manchester and London, payday loans are not designed to solve long term credit needs. If you need to borrow cash for more than a month and/or borrow a larger sum than you could afford to repay on your payday, you should not apply for a payday cash loan. Payday cash loans do exactly what they say on the tin; provide extra cash til payday.

They are ideal in situations where you suddenly need a bit of extra cash and you can't wait until you get paid. So, for example, if your fridge breaks and you need a replacement as soon as possible, and you can't cover the full expense with the remainder of last month's salary, but will be able to with some financial planning with your next wage, a payday cash loan until payday could provide you with the extra money you need.

Make Sure You Borrow Responsibly

As a responsible payday loan company we must, however, stress that, if you have numerous loans and are not managing to meet repayments or cover day to day expenses month to month, a payday cash loan til payday is not the right answer for you. It will only temporarily mask the underlying debt problems and put you in a worse situation when the loan is due for repayment, since you only borrowed the cash till payday. Moreover, payday loans are not designed to be used consistently - if you know that you will not be able to get back on track with your finances come payday, and that you will need a payday cash loan month on month, then you need more than just a bit of extra cash til payday. You should seek financial advice to decide on the best solution to your long term cash flow problems.

On the other hand, if you are a bit short on cash this month and simply need a bit of extra cash til payday, and you will be able to repay this on payday, then a payday cash loan could be the right solution for you.