Lender in Focus 15:3 Payday Express Reviews

payday express reviews

payday express reviews

If you’re considering taking out a short-term loan with Payday Express but haven’t used this lender before, then reading online reviews is an excellent way to learn more.

Applying for a loan online can sometimes seem daunting at first, particularly if this is your first time using a new loan provider.

Online reviews can help alleviate your concerns by providing honest feedback from genuine customers, who have used Payday Express for their own short-term loans.

In this article Cashlady explores a selection of reviews left for Payday Express on business review website Trustpilot.

Payday Express reviews on Trustpilot

Trustpilot is an online business review community that works in collaboration with businesses to attract reviews from genuine customers.

At present, it holds over 26 million reviews of 152,000 businesses, including many UK online short term loan providers.

9.3 out of 10 on Trustpilot

Lender in Focus 15:3 Payday Express Reviews

Payday Express has received an overall score of 9.3 out of 10 from a total of 1463 reviews on Trustpilot.

This score takes the lender into the ‘excellent’ category and is made up of 1148 five star reviews, 243 four star reviews, 35 three star reviews, 15 two star reviews and 22 one star reviews.

While most reviews are clearly very positive, it’s also important to look at the less favourable reviews, so that you can build a full and clear picture of the loans provider before you agree to do business with them.

“Quick and easy service.”

A benefit of using an online loans provider, such as Payday Express, is that you can apply for a short-term loan quickly, from the comfort of your own home.

Many of the positive reviews for the lender claim that the service is fast and simple, particularly regarding the applications process and receipt of the loan.

Lender in Focus 15:3 Payday Express Reviews

On its website, the lender claims that you can apply for a short-term loan with their straightforward application form and they’ll then provide you with a lending decision online.

You can apply for a loan from £100 – £2,000 to be repaid over 1 to twelve Instalments and they could, based upon approval and completion of their online loan documents, provide express delivery of your loan into your account within the same day.

Payday Express states that occasionally it’s required to seek further documentation from you, which may delay the loans application process.

“Fast and efficient, no hassle, with an easy applications process.”

“Excellent customer service,”

When selecting a loans provider, one of your key considerations should be the level of customer service that they provide.

In the rare instances when something goes wrong, or you have additional questions or a requirement for support, you’ll want access to helpful and knowledgeable staff, who will treat you with courtesy.

On its website, Payday Express has a dedicated help centre, where you can type in your questions and receive relevant answers online through its existing web pages.

Lender in Focus 15:3 Payday Express Reviews

If you would rather speak to a member of its customer service team then they’re available Monday to Friday 8 am to 7 pm, Saturdays 9 am to 4 pm and Bank holidays 10 am to 4 pm, and can be reached by telephone and email.

Members of the Payday Express team respond to many of the reviews left on Trustpilot, thanking customers for positive reviews and asking for further information when reviews are less positive.

This shows an encouraging level of engagement with their customers and suggests that customer service matters to this lender, as highlighted below.

“Thanks for your review. We’re glad you consider us to have excellent customer service! This makes us very happy 🙂

Kind Regards,


Payday Express”

“Staff are so friendly and helpful.”

“Easy process and lets me build my credit rating when nobody else would!”

Some of the favourable reviews of Payday Express come from customers with a less than perfect credit rating, who may have struggled to access finance from mainstream lenders, such as banks and building societies.

When you apply for a loan with Payday Express they’ll perform affordability checks and credit checks, but claim that their decision on whether to lend you money, is based on your recent circumstances.


Depending on your current situation you may find that you get a loan approved from Payday Express more easily than you would from other lenders.

Lender in Focus 15:3 Payday Express Reviews

If you have poor credit then you typically have less opportunity to shop around for the best rates, meaning that you’ll pay more for borrowing money than somebody with good credit.

However, if you pay your loan back on time and don’t take out too many lines of credit, it can help prove that you’re able to borrow responsibly and may help improve your credit score for the future.

Before applying for a short-term loan with Payday Express you should first consider whether getting into further debt is really the best option.

If you’re unsure then seek free and impartial advice from The Money Advice Service or Citizens Advice.

“I am Grateful that you have given me the chance to better my credit score as many have turned me down. I now will pay back as promised and be able to use you in future for any unexpected bills.”

“Not good service this time.”

While most reviews for Payday Express are positive, there are customers who were unhappy with the service received and so left a one or two-star review.

These are mainly from existing customers who have been turned down for further loans or new customers who have been asked to submit further documentation as part of their loan application, which has slowed down the overall process.

Lender in Focus 15:3 Payday Express Reviews

These delays are understandably frustrating, particularly when a customer is looking to access a loan quickly, however it shows good practice from the lender as they’re properly screening each loan application and not lending irresponsibly.

“Lack of information given as to why it was slow to process.”


Payday Express has received overwhelmingly positive reviews on Trustpilot from lots of satisfied customers, who are impressed with their speedy and efficient service.

As a provider of short-term loans, Payday Express is well worth considering, although you should be aware that if you’re asked to supply further documentation as part of your application, this may be subject to a slight delay.

Cash Lady

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