Rating based on 62 reviews

Express Finance


  • Bad credit loans up to £25,000
  • Low-interest starting from 49.9%
  • Repayment up to 36 months

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Express Finance homepage

Author Express Finance. Screenshot of Express Finance website. [Accessed March 25, 2020]

About Express Finance

Express Finance is a trusted supplier of cash loans in the UK because of our commitment to making the procedure reasonable and convenient for our customers.

Whatever your situation, we can help you get the money you require - fast. We offer bad credit cash loans and same day cash loans to provide you with true serenity under any circumstances. If you've missed payments on bills or on your home loan and can't access mainstream finance - we can help you.

An approval process like no other

While most lenders have long, complicated an boring application processes, Express Finance is different; we have streamlined the procedure to make it basic, quick and convenient for everyone - especially our customers who are looking for bad credit cash loans.

A trusted lender

At Express Finance we make it easy to get same day cash loans, we likewise pride ourselves on being a trusted lender that only participates in responsible lending practices. We've been operating successfully for a number of years and have been consistently improving our products and services to meet the needs of our target market.

Reasonable treatment in any circumstance

When you require a quick cash loan, Express Finance is the place to find it. We work with each of our customers to get them the terms that are most suited to their situation so they can deal with their financial problems in a better way. Whatever your circumstances, we will treat you well and help you get the cash you require.

Express Finance Services

We offer one of the main online bad credit lending solutions in the United Kingdom.

Our loan services are particularly intended to help people with poor credit get quick cash to use for a variety of different application including to cover emergency expenses and make a down payment of a car.

Struggling with bad credit? We can help you

When you have bad credit, it is generally hard to find a lender who will finance you without requesting security for the loan, however, many people don't own their homes and have no way of putting up security to access the short term credit they need.

A lack of security shouldn't stop you from getting the money you need to move further in life - and that's why we don't say no simply because you have bad credit and don't have any security to put up.

Why you should use us

Express Finance is unique in that we offer personal loans to people with bad credit. Our system is particularly intended to help people with bad credit to get approved for an unsecured short term loan. We have a quick loan application process, friendly staff, reasonable rates and flexible loan products that can suit any person and any situation.

Can you afford the bad credit loan?

In order for us to approve your loan you must, however, be in the position to repay the loan as specified. The vast majority of our clients are simply people like you and are being approved in minutes in the wake of submitting their online application. Don't delay, contact Express Finance today!

Express Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 49.9%
  • Loan Amount up to £25,000
  • Repayment 36 months

Benefits of Express Finance

  • Simple online application form
  • Loans paid out in under 48 hours
  • Pay off existing debts
  • Select a loan repayment term

Bad credit loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Finding a Bad Credit Loan with Express Fianace

Having a tainted credit history can make gaining access to even the most basic financial services difficult.

Whether you’ve skipped payments on your credit card or have been bankrupt in the past, traditional lenders are not likely to provide you with credit since your credit score will not meet their minimum threshold. Fortunately, there are some lenders, such as Express Fianace who can provide you with a bad credit loan regardless of whether or not you’ve been refused credit in the past.

Top reasons to get a loan from Express Finance

  • We work with the UK’s top bad credit loan providers
  • We do not charge brokerage fees
  • We specialize in helping people with poor credit find a bad credit loan they can qualify for
  • Apply for an unsecured bad credit loan of up to £15,000
  • Apply for a secured loan of up to £25,000
  • Simple online application form
  • We aim to have your loan paid out in under 48 hours
  • Use your unsecured bad credit loan to pay off existing debts and better manage your finances
  • Select a loan repayment term that suits your income – up to 10 years
  • Most of our lenders don’t charge penalty fees for early repayment
  • Representative 53.8% APR Representative

Example of a bad credit loan obtained through Express Finance:

If you borrow £3,000 over a loan term of 3 years at an APR of 53.8% you will pay £151.15 every month and a total of £5441.40.

How to apply for a loan from Express Finance

Express Finance will never charge you any brokerage or set up fees will not request your bank details. To apply for a bad credit loan with us, simply visit our website and navigate to our “Apply Now” page. Here we will ask you how much you want to borrow, what you intend to use the loan for, we will request your personal and contact information including your current address and employment details. We will then pass this information on to our trusty panel of loan providers and, should you decide to accept one of their offers, Express Finance will receive a commission from the lender. This is why we will never charge you any fees for our services.

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Express Finance is a trusted & reliable provider of bad credit loans

In our review, Express Finance adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Express Finance is a registered credit provider in the UK; FCA number 730925

Customer Reviews & Testimonials

July 2019

The game is in the name – Express Finance aims to get your cash to you in a hurry. When you need money the last thing you need is a delay and Express understands this. Apply and get the cash you ...

Melanie R
— Bristol —

July 2019

With an approval process like no other, you can rest assured that your application will be among those that are approved. Express Finance is not as strict as other lenders because they understand...

Amanda S
— Manchester —

Express Finance Contact

Contact Number


  • not available


Physical Address

  • Unit 1, Hedge End Business Centre, Botley Road Hedge End Southampton SO30 2AU United Kingdom
  • Get Directions

Opening Hours

  • not available