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

Our Charges

Payday Express offers short term instalment loans with terms ranging from 1 to 12 Instalments in monthly repayments aligned to your payday.

The interest rate charged depends upon the term you select. Daily 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.

Please note that borrowing for longer can be more expensive.


How much would you like to borrow?

Repayments number

When is your next payday?

You will only be charged interest up until your next payday when your loan is due to be repaid

 + days 
interest per day
 = total to repay

Repayment Summary

Please ensure you can afford each of the repayments before applying.

Amount borrowed: £
Length of borrowing: Time
First repayment date: Date
Each instalment amount: £
Total repayable: £

*Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.


Understanding the APR

APR stands for Annual Percentage Rate and is the interest payable on the amount borrowed and other charges displayed as an annual rate charge.

The Representative APR demonstrates what we think the majority of successful applicants will receive.

The APR includes factors such as:

  • The interest you must pay
  • The length of the loan agreement (term)
  • The frequency and timing of payments
  • The amount of each payment
  • Certain fees associated with the loan

The term assumes the rate of charge for a whole year and expresses interest and other fees as an annual rate. The term is used for different credit and loan products and allows you to compare the annual cost.

Our loans are transparent because you know exactly what you are going to repay before you agree to the loan.

There are no set-up or admin fees on our payday loans; however before you take out a loan it is important that you are aware of the cost involved and make sure you can afford to pay the loan back on the agreed repayment date(s).

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