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  • 3 STEPS
  • First step Choose how much
  • Second step Apply online
  • Third step Get a decision

Help Centre

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Questions about Applying For A Loan

Finding The Right Loan
Can I apply for a short term loan?

To apply for a loan with us you need to be:

  • Be over 18 years old
  • Be in employment
  • Receive more than £417 net per month
  • Have a bank account with a valid debit card
  • Meet our credit criteria and affordability assessment
  • Have an active email address and mobile number

Click here to apply online.

Please note all loans are subject to lending criteria, a credit check and an affordability assessment.

How much can I borrow?

With Pay Day Express you could be approved for a loan amount between £100 and £2,000. Please note that all loans are subject to lending criteria, a credit check and an affordability assessment.

Click here to apply online.

How will I know which loan term is most suitable for me?

We will assess your affordability and present you with your available offers. Only you can decide which loan duration is most suited to your financial needs; we will ensure you are only offered options based upon our affordability assessments.

Click here to apply online.

How much does a loan cost?

The cost of your loan will be dependent on the amount that you borrow and how long you would like it for. Our interest is charged at a daily rate.

Representative Example: £250 borrowed for 3 months. Annual interest rate of 292% (fixed). Total amount repayable is £415.08 in 3 monthly instalments of £138.36. Representative 1170% APR.

Daily interest rates range from 0.36% to 0.8% (dependent upon term length), which means you will pay between 36p to 80p per day per £100 borrowed.

We do not have any other fees and no hidden costs.

Click here to go to our online application page which shows an example of how much a typical loan costs.

Getting your money
How do I apply for a loan and what information do I need to start?

To apply for a loan now, please click here and follow the instructions.

When filling in our online application form you will need the following information:

  • Your name and address
  • Your date of birth
  • Your contact telephone numbers and email
  • Your employment and/or regular income details
  • Your monthly expenditure information
  • Your bank account and debit card details
How do I get my documents to you?

You can submit your documents to us within your account management area. Once you are logged in to the online Account Management area , you will be able to view the documents that are required to support your application.

Once these have been received by our customer validation department, they will be processed on a first come first served basis.

We will contact you by email once these have been processed. Alternatively, you can send us an email to

When logging into your account, please ensure you use the email address you registered with us, your date of birth (in the format dd/mm/yyyy), and the password you used previously.

If you have forgotten your password you can use the forgotten password link by clicking here or calling us on 0800 652 4661. Our opening hours are Monday to Friday 8am until 7pm and 9am until 4pm on Saturdays.


How long does it take to get money into my account?

If you are applying for a loan online then the majority of our customers will get their money transferred on the day they apply. We deposit on the hour every day, throughout the day.

New customers must complete their applications before 3pm for a same day deposit.

Click here to apply online.

All loans are subject to lending criteria, a credit check and an affordability assessment.

Check whether your bank operates Faster Payments; some banks may take up to 3 working days to clear the funds².


Why might my loan application be rejected?

All of our loans are subject to lending criteria, a credit check and an affordability assessment. Sometimes, as part of these checks applications are rejected.

If you would like more information about your credit file, you can contact one of the following credit reference agencies:

Credit Related Queries
Do you do credit checks?

Yes, we credit check all of our customers in order to ensure we lend to you responsibly. If you have any further queries regarding your credit file you can contact Experian or Call Credit using the below contact details.

Can I apply if I have bad credit?

All loans are subject to lending criteria, a credit check and an affordability assessment. We look at each application based upon your recent circumstances.

If you are concerned about your credit report below are some credit reference agencies that you can contact or review your credit file with.

Please remember that free, impartial debt advice is available to you. Below are some debt advice organisations that specialise in assisting customers who are in financial difficulty.

Citizens Advice Please visit their website to find contact details for your local bureau
National Debtline 0808 808 4000
Step Change 0800 138 1111

Warning: Late repayment can cause you serious money problems.
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