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Apply for £100 - £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 for loans repaid over 1 to 3 instalments
  • A daily interest rate of 0.73% per £100 borrowed, which means you will only pay 73p per day for each £100 borrowed for loans repaid over 4 to 5 instalments

Short term 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 pay date(s).

Payday loans are designed for short term borrowing and should not be used 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. All loans are subject to credit and affordability assessments. Payday Express deposits loans every day of the week3.

How does the loan process work?

Applying for a short term loan

  • If you are a new customer who has not had a loan with Payday Express before, you need to complete the above online application
  • The application can be completed in 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 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?

We may agree, subject to our credit criteria and affordability assessment and only if requested by you, to renew your loan (when renewing your loan, Payday Express will issue you with a new agreement), however this option is only available for loans contracted to be repaid in one instalment.

If we agree to renew your loan we will only allow you to renew a maximum of two times dependant upon your affordability. You have two options:

  1. Pay the interest only. Then on your following payday, you will have to repay the original amount borrowed and a further month's interest.
  2. Pay the interest owing plus some additional money off your balance. Then on your following payday you will have to repay the remaining balance plus interest (only charged on the remaining balance).

You should consider very carefully that short term 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. You must advise us if your circumstances have changed.

Please note: if you fail to sign your new agreement the renewal will be cancelled and full payment will be taken on your contractual repayment date.

For more information please call us on 0800 652 4661¹ or click the Instant Messaging Support button to speak to one of our representatives.


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What are the implications of a credit check?

If customers do not repay their short term 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 may 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 discuss your 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.

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 fail to make your agreed repayment(s) on your loan without getting in touch we will endeavour to contact you by phone, email and SMS.

‡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.

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