Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Who are Payday Express?

Payday Express is a trading name of Instant Cash Loans Limited, who have been providing short term and instalment loans since 1999. Offering loans of up to £2000, repayable over one – 12 months, Payday Expressaim to provide a service that meets customers’ needs reliably and discreetly.

Payday Express alternative

Update: As of 2018 they are no longer active in lending

What is the duration of a Payday Express loan?

Between one to 12 months. Remember that the longer the duration, typically the more you will repay overall.

How much credit can you apply for?

You may apply to borrow between £100 - £2000, although the amount offered depends on the lender's assessment of your loan affordability, based on a credit check and the information supplied in your online application form.

What is Payday Express's loan application process?

Complete a simple online form, providing information on how much you would like to borrow, what for, and for how long. You will also be asked some personal information, including an address history, information on your income and expenditure, along with your bank details.

If approved you will be offered options to repay your loan back in 1 to 12 Instalments. To proceed, fill out the rest of your details and then you will receive pre-contractual information, along with your loan agreement. You need to read this carefully and then sign and return if you are happy to proceed with your loan.

What are the requirements?

To apply for a loan from Payday Express you should:

  • Be aged between 18 and 74
  • Be a UK resident
  • Not be bankrupt

How quickly will I receive my loan from Payday Express?

Payday Express aims to provide a loan decision quickly then deposit loan funds on the hour every day. New customers are required to submit their application form before 3 pm for a same day deposit. If your bank doesn't support Faster Payments then receipt of your loan may be delayed by up to three working days.

What do Payday Express charge?

The cost of your loan is dependent on the amount that you borrow and how long you would like it for. Our interest is charged at a daily rate.

Daily interest rates range from 0.36% to 0.8%, dependent on the duration of your loan, which means you will pay between 36p to 80p per day per £100 borrowed.

How much will you repay?

Representative Example

Representative example: £250 borrowed for 3 months. Annual interest rate of 292% (fixed). Total amount repayable is £415.08 in 3 monthly instalments of £138.36. Representative 1170% APR.

Do Payday Express charge penalties?

There are no hidden charges or upfront costs, including no fees for late or missed repayments.

Can I repay my Payday Express loan early?

You can make a payment early at any time by logging into your online account. Interest is charged by the day so settling your loan early will reduce the overall amount you are required to pay back.

Will Payday Express run a credit check?

Payday Express will run a credit check as part of your loan application process, along with performing an affordability check. They look at each application based on recent financial and personal circumstances, meaning that if you have a history of poor credit, then you may still be accepted for a loan.

What help and support do Payday Express offer?

Payday Express customer service is available from Monday to Friday 8 am to 7 pm, Saturdays from 9 am to 4 pm and bank holidays from 10 am to 4 pm. Telephone them on 0800 652 4661 or email info@paydayexpress.co.uk.

Where can you find online reviews of Payday Express?

If you are considering a loan from Payday Express, then online reviews are a useful way to find out more about the lender and their customer service experience.

Payday Express work with online business review platform TrustPilot, where there are over 1500 genuine reviews, rating them an average 9.2 out of 10 for customer service.

What are Payday Express's FCA registration details?

Payday Express is a trading name of Instant Cash Loans Limited who are authorised and regulated by the Financial Conduct Authority, under registration number 681750 on the Financial Services Register.

Applying with CashLady

Applying through Cashlady is simple and involves just one application. We’ll then bring you a selection of suitable quotes from various lenders, including Payday Express.

We use our in-depth knowledge of the market, plus a portfolio of over 15 loan providers, to match you with the perfect loan, and loan provider that is best for you.

We’ll provide you with the relevant rates and prices, repayment terms and other important details that will help you to compare loan options.

Here’s a useful comparison table, highlighting some of the differences when you apply with CashLady:

Cash Lady Payday Express
Representative APR% 1272% 1170%
Loan Duration Up to 12 months Up to 12 months
Repay Early Yes Yes
Panel of Lenders? Yes No
Loan Options (Number of Lenders) 15 1

How to contact Payday Express


0800 652 4661



Registered Address


Registered Address

6 Bevis Marks,

Last Updated on 10 October 2018

Get my personalised quote

CashLady Representative 79.5% APR

CashLady Representative 79.5% APR

Representative Example

Amount of credit:
£1000 for 12 months
at £123.40 per month
Total amount repayable of £1,480.77
Interest: £480.77
Interest rate: 79.5% pa (fixed)
79.5% APR Representative

Warning: Late repayment can cause you serious money problems.
For help, go to moneyhelper.org.uk


Get your personalised quote today!

How much do you want to borrow? Representative 79.5% APR

CashLady Representative 79.5% APR