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Apply for up to £1,000³ today with Payday Express

We charge a daily interest rate of 0.80% per £100 borrowed, which means you will only pay 80p per day for each £100 borrowed. Please see below our charges for a 28 days term loan.

You Borrow

You Repay















Payday loans are designed to help you out of an unexpected financial emergency. Borrow the money today and pay it back, with the agreed interest, on your next payday.

Payday loans are designed for short-term borrowing and are unsuitable for longer-term borrowing or those in financial difficulty.

The online application form is simple and straightforward. We will inform you as soon as we can whether you have been approved for a loan.

You can borrow between £100 - £1,000³, depending on your circumstances. Payday Express deposits loans every day of the week.†

How does the loan process work?

Applying for a payday loan

  • If you are a new customer who has not had a payday loan with Payday Express before, you need to complete the above online application
  • The application will take around four minutes and you will then be advised whether or not you have been approved‡
  • When approved you will then be directed to an Electronic Credit Agreement which you can sign online
  • The majority of customers will have their funds transferred the same working day

Once you have had a payday loan with us you will become an Existing Payday Express Customer and you can use our online service. You simply need to go to the Existing Customer page and fill in the form.

For more information on the process visit our Frequently Asked Questions page or call us on 0800 652 4661¹

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Can I extend my payment?

Although this is possible, it is not something we would encourage you to do. Yes, you could be eligible to renew your loan. However, this should only be a last resort as payday loans should only be used for short term financial needs and are not appropriate for longer term borrowing or if you are in financial difficulty. If you are able to repay your loan on your original due date then you should do so. Payday Express will only allow you to renew your loan a maximum of two times in a row by paying only the interest. If you renew your loan we will extend your loan, plus interest, to your following payday.

We will only renew your loan once we have express authority from yourself to do so and subject to our affordability and lending criteria. For more information call us on 0800 652 4661¹

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What are the implications of a credit check?

If customers do not repay their payday loans on time, and fail to contact us in this regard before their payday, we will report this to the Credit Reference Agency, which may then have a negative impact on their credit rating.

If you are concerned about your credit report there are several companies, which offer you the chance to see it for free, such as Experian Credit Expert.


What happens if I fail to repay my loan?

Payday Express understands that sometimes people's circumstances change. If this happens to you and you find yourself in financial difficulty and unable to repay your loan you should let Payday Express know as soon as possible so that we can help solve the situation. We have a specially trained financial difficulties team to assist with appropriate forbearance consistent with your circumstances.

Most importantly:

  • Don't borrow money you will struggle to pay back
  • Talk to us so that we can help as much as possible

If you miss your payment we may charge you a £15 missed payment fee. You must pay us any reasonable expenses and costs that we may incur in taking steps to enforce, or attempt to enforce, our rights against you under this agreement.

Warning: Late repayment can cause you serious money problems. For help go to

Collections process

If you are having problems making a payment please contact us on 0800 652 4661¹ or so that we can discuss your payment options. If you default on your loan without getting in touch we will endeavour to contact you by phone, email and SMS.

As part of the collections process, and in-line with the loan agreement, we reserve the right to utilise the Continuous Payment Authority to continue to attempt payment from your card consistent with the powers in the credit agreement and what was disclosed in the adequate explanations.

Should the situation remain unresolved we reserve the right to pass your details to a third party collections agency consistent with our privacy policy.

†For new customers, same day transfers require applications to be received by 17:00 and completed by 18:00. In order to ensure you get your money the same day check whether your bank operates Faster Payments; some banks may take up to three working days to clear the funds. All loans are subject to final checks.

‡Occasionally we will be unable to confirm all details automatically. Should this be the case we will ask you to provide further documentation to complete your application.

¹Call charges may apply, depending on your telephone provider. Calls may be recorded and monitored for security and training purposes.

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