Most of us have at some point been in need of some month end money when pay day is too far away. Even with the best intentions, saving for a rainy day is not as easy as you think, and sometimes you might feel the need to dip into that rainy day fund to treat yourself, or go on a holiday; to live life a little, and it is very quickly depleted.

Unfortunately life doesn't always wait for your next pay cheque and at some point you might find yourself in need of some extra cash fast in the form of quick cash loans, be it to cover expenses for boiler repair, to replace a washing machine, or to fix a part on your car, and you are unable to hold out until pay day.

If you don't have sufficient cash to cover additional expenses in a month that you had not budgeted for, but you know that you will be able to get your finances back on track with your next wage payment, then a pay day loan may offer the respite you need.

Instant cover for emergency expenses

Pay day loans work like a cash advance on your salary, so you can borrow money at the time you need it and then repay it when you can afford to do so. So when you don't have a rainy day fund, or the savings you do have don't quite cover unexpected expenses before pay day, you can get an advance on your salary with a pay day loan. Similarly, you may have savings tied up in a fixed term account or you may not want to withdraw money from your ISA and lose part of your tax free allowance, when you just need a relatively small amount of cash to temporarily cover expenses before pay day. Whatever the reason you might need to get some extra cash fast, pay day loans could be the ray of sunshine you're looking for on that rainy day.

Representative Loan Example

If you borrowed £80 for 28 days you would repay £100, with an interest rate of 25.0% fixed. 1737.2% APR representative. All loans are subject to status and affordability. Customers must be over 18.

A solution to short-term credit needs

It must be noted that payday loans are best suited to one-off rainy days. We at Pay Day Express strongly recommend that you do not use a pay day loans consistently. If this is your intention, then a pay day loan is not the right product for you; you should instead look for a longer term loan product, or seek advice.

If you need a relatively small amount of cash for a relatively short period of time and know you will be able to repay the money once your wages clear, then you've come to the right place for Pay Day Express payday loans.

At Pay Day Express we aim to make today pay day the simple way, with our online application and instant approval decisions.