Payday Express take the protection of your data seriously and use many of the latest security features on our site. To ensure you get the full benefit of these its important you update your browser to the latest version. To discover if your browser is out of date and for guides on how to update it please visit this site.

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

Managing your money

As a responsible lender Payday Express cares about the financial well-being of its customers.

Short term instalment loans should only be used for short term financial needs and should not be used for longer term borrowing or for people in financial difficulty.

With this in mind and to help you manage your money more effectively, please read through the information below:

The Money Charity

The Money Charity are a national finance education charity dedicated to bettering the way people think about money. It offers a range of resources, tools and training to help people handle their money.

Visit The Money Charity for more information.


The Spendometer allows you to set your budget and track your everyday spending. It is free, simple to use and available on a mobile handset.

Visit The Money Charity - Spendometer for more information.

Budget Builder

The Budget Builder allows you to input your income and expenditure, it does all the calculations for you and allows you to save and revisit anytime showing a summary when needed.

To help you plan your budget visit: The Money Charity - Budget Builder


If you are seeking independent advice the following organisations may be able to help:

Citizen's Advice Bureau (CAB)

The CAB assists people resolve legal, money and other issues by providing free face-to-face information and advice in the community.

Citizen's Advice Scotland (CAS)

Scotland's largest independent advice network. Please call 0808 800 9060 Monday to Friday 9am-8pm and Saturday 10am-2pm.

Step Change Debt Charity

A registered charity offering free, confidential advice and support, online or over the telephone, to anyone who is worried about debt. Call 0800 138 1111 between 8am - 8pm Monday to Friday, or click here for their online debt remedy tool.

National Debtline

National Debtline offers free confidential and independent advice over the telephone for residents of England, Scotland and Wales. Call 0808 808 4000 Monday to Friday 9am-9pm and Saturday 9.30am-1pm.

The Royal British Legion

Please call their money benefits and money advice helpline on 0203 207 21531.

Their friendly team will direct you to your local advisor.

Money Advice Service

A UK-wide service that offers advice online, over the phone and through a network of financial advisors.

Money Advice Line on 0300 500 5000 (English) or 0300 500 5555 (Welsh)* Typetalk: 18001 0300 500 5000*

* Whatever tariff you’re on, the cost of an 0300 number is the same as calling a normal phone number. If your calls are free, then it is free, even from mobiles.

All loans are subject to status and affordability. Customers must be 18+. Terms and Conditions Apply.

* Call charges may apply, depending on your telephone provider. Calls may be recorded and monitored for security and training purposes.

Payday Express are members of