Welcome to Express finance, your one stop shop for loans in minutes. We provide the fastest payday, unsecured and secured loans in the UK online.

Express Finance

Welcome to express finance the number one provider of loans in the UK. We deal with the top lenders so that we can find our customers best deals online. If you need a loan you can use our services to obtain this. Our application takes minutes to fill out and you will get an answer back soon after. Once you have decided which lender you wish to use simply press accepted and the money is transferred. No matter what type of finance you require, you can get loans in minutes through using our website.

When making any new purchase, big or small, chances are you shop around to find the best match for your needs at the lowest price: you put in some effort to find a bargain. Why should this be any different when it comes to getting a loan? A loan should be thought of in the same way as any other major purchase. Although a loan initially provides you with extra funds, in the long-term you will pay back more than you have borrowed, due to interest being added. This means that you are essentially buying a loan product. It is in your interest to find the most suitable product to meet your needs, at the best price.

Loans In Minutes

We offer online financial services, such as payday loans, that provide a wide range of products at a level of convenience to suit your needs. Finding the perfect match does not have to be time-consuming and laborious, as our site will do the hard work for you. You have to enter a few simple details about your circumstances and requirements. Based on the information you provide, our site will propagate a list of available loans from different lenders, working out which represent the best deals to suit your circumstances. You can even apply through the site when you find the product you want. Our website is active 24/7, so you can use it at any time and do not have to take time out from work or home life to visit a bank branch. Using the express finance website means you can find the best loan product for you, with the minimum of hassle. If you want loans in minutes, you have certainly come to the right site.

Responsible lending

All lenders whose financial products are listed will have had to meet strict eligibility criteria. Using a our site can give you peace of mind, knowing that lenders must be fully licenced and so are subject to UK law. Most comparison sites also apply their own set of binding terms and conditions, which lenders must sign up to before being included on their site.

Responsible borrowing

It is not only lenders who need to be responsible for their financial decisions. You as a lender also have a high level of responsibility. Loans must be repaid. It is irresponsible to take out any form of loan unless you are certain that you are in a position to repay the borrowed funds. Calculate the maximum monthly payments you will be able to make before applying for a loan and never borrow more than you need. By following this advice and acting as a responsible borrower, you will avoid any repercussions that arise when debt gets out of control. Irresponsible borrowers may well find themselves in legal trouble if they are unable to make payments on a loan.

Express Finance Payday Loans

Payday loans are a quick fix option. The amounts available to borrow tend to be limited, starting at as little as £50 and topping out at around £1000. The reason for this is that express finance payday loans are intended only to bridge a gap between one payday and the next, when an unexpected expense crops up. They are not intended as long-term borrowing solutions or for making major purchases. These loans are incredibly convenient if you need money quickly to cover an immediate cost that cannot wait until payday. A payday loan can be arranged super-fast with a decision being made and money paid into you bank often within minutes of submitting an application.

Eligibility for payday loans

Anyone who is over the age of 18, a UK resident, and in receipt of a monthly income will usually be considered for a payday loan. These loans are often available even to those with a poor credit history and low credit score. You may be eligible for a payday loan despite having defaults, CCJs, or even bankruptcy on your credit file. All the payday loan company needs to know to issue a loan is that you will be I receipt of funds that allow you to repay in full on your next payday.

When a payday loan is right for you

A payday loan is only right for you if you have incurred an unexpected expense. Such expenses include things like household emergencies (e.g. boiler breakdown, change of locks, electrician or plumber callouts), car repairs, or higher than normal utility bills. If something like this crops up in the middle of the month and has not been budgeted for, it can often leave you short and unable to meet other planned expenses, such as mortgage repayments. You know you will have the money available to cover the expense in your next paycheque, but the nature of these costs means that they usually need to be paid up front. A payday loan can help you to cover the immediate cost, simply tiding you over until payday. Payday loans can also be useful to those who are self-employed or running a small business, as they allow you to make necessary payments even if clients are late in paying invoices. Payday loans should not be considered for any reason other than bridging a short-term gap in cash flow, but when used responsible and as intended they can be a Godsend.

Comparing Payday Loans

It is worth using our loan match site that lists the total amount repayable, in order to compare available loans and choose the best deal. It is very difficult to compare payday loans based on relative APRs, as most companies charge a set fee on amounts borrowed over a short period. When translated into an APR (the amount of interest accrued in an annual period) the figure is usually incredibly high and does not give you a realistic idea of the amount you will repay.

How to Apply

Once you have chosen which type of finance is most suitable click on the link that allows you to apply directly. Once the application is completed and you have pressed submit your information is matched with the best lender. All that is required for a payday loan is that you are over 18 and have a stable source of income. Complete the application is a simple 5 step process:

  1. Fill out a personal profile including details such as name, address and date of birth on an online form.
  2. Provide information about your current employment status and income.
  3. Enter details of the bank account you wish to be paid into.
  4. Having filled in the relevant information and clicked a box to agree to the T&Cs, simply hit submit.
  5. A decision will normally be made within a couple of minutes. If approved, the money will be paid directly into your bank account. In most cases, your account will be credited on the same day.

What services does Express Finance offer?

Unsecured Loans

If you are looking for a longer term financial solution, a payday loan will not be the right choice for you. Many online companies also offer unsecured personal loans. The borrowing limits for unsecured personal loans tend to be higher, ranging from £1000 to £15,000. The repayment schedule is usually worked out over a relatively lengthy term, usually between two and ten years. There is a wide range of unsecured loans available and considerable variation in interest rates. Due to the unsecured nature (i.e. no collateral is provided) and long terms of these loans, they by lenders as having a high risk of default. The lender receives no compensation if a borrower is unable to make the repayments, and over a period of five or ten years, any number of things could affect the borrower’s ability to pay. This means that interest rates tend to be fairly high, allowing lenders to cover the cost of any defaulted loans through the interest paid by other borrowers. In some cases, APRs will reduce over time if payments are met regularly. A price comparison site is the best way to determine which unsecured loan products are suitable for you. These loans can be applied for in much the same way as payday loans, though a decision may take a little longer to receive.

Homeowner Secured Loans

We offer online home owner secured loans, in which a residential property can be used as security against borrowing large amounts of money. Secured loans are low risk options for lenders, as they are guaranteed recompense if the loan is not repaid. As such, amounts available to borrow are typically higher and loan terms can be extended up to 20 years or more. If you default on a secured loan, your property may be repossessed by the lender, or you may be forced to sell the property in order to use a partial amount of the equity released to pay off the loan. Before taking out an express finance homeowner secured loan, it is important to ensure that, where applicable, you would be able to repay both your mortgage lender and the loan through the sale of the property.

Debt Consolidation Loans

Debt consolidation loans are aimed at people who have various debts from different creditors and are struggling to manage monthly repayments. A debt consolidation loan allows you to borrow the amount needed to pay off all your existing debts. This leaves you with only a single payment to make each month, as well as only one interest rate to worry about. The interest paid on a loan is typically lower than the combined amount of interest paid on several different forms of credit. These are a good option for anyone looking to get out of debt and rebuilt their credit score.

 

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