LOAN EXPRESS (UK) LTD is a UK-based credit broker authorised and regulated by the Financial Conduct Authority (FCA). We help individuals find suitable loan options by matching them with FCA-authorised lenders.

We are a credit broker, not a lender. This means we don’t offer loans directly but connect you with lenders that may suit your needs.

Yes, our service is completely free of charge to you. We may receive a commission from the lender if you proceed with an offer, but this does not affect your loan cost.

Yes. We are authorised and regulated by the Financial Conduct Authority (FCA).

No. We currently operate exclusively online for your convenience and security.

Not necessarily. We work with a range of lenders, including those who consider applicants with poor or limited credit histories.

You must be: At least 18 years old A UK resident Have a valid UK bank account Be employed or have a regular income

Yes. Self-employed applicants are eligible, though you may need to provide proof of income.

Some lenders may accept benefit income as part of your affordability assessment. You will need to show stable income.

It may be more difficult, but some lenders specialise in helping people with adverse credit. We’ll try to match you accordingly.

Complete our simple online form. We’ll match you with lenders who may offer you a loan based on your circumstances.

Most applications take just a few minutes to complete. You’ll often receive a decision shortly after submission.

No. You are under no obligation to accept any loan offer presented to you.

Sometimes. If a lender requires verification, you may need to upload payslips, bank statements, or proof of ID.

Once we match you with a lender, you’ll be redirected to their site to complete the final application and, if approved, receive your loan.

We work with lenders that offer: Personal loans Bad credit loans Short-term loans Debt consolidation loans Guarantor loans

You can typically borrow from £2000 to £50,000, depending on the lender and your creditworthiness.

Terms generally range from 6 to 84 months, depending on the loan type.

Yes, most lenders allow early repayment. Some may charge an early settlement fee please check their terms.

This depends on the lender. Some offer top-up options, but a new application may be required.

Rates vary by lender and your credit profile. Typical APRs range from 6.9% to 99.9% depending on your circumstances.

No. We do not charge you, and any fees from lenders will be disclosed upfront before you accept any offer.

No, if it’s a fixed-rate loan, the rate is set at the start and won’t change during the loan term.

No. We do not work with lenders offering interest-free loans.

APR (Annual Percentage Rate) includes the interest and any applicable fees over the course of a year, giving you a standardised cost comparison.

Most lenders collect repayments by Direct Debit from your UK bank account on an agreed date each month.

Missed payments can lead to: Additional fees and charges Negative impact on your credit score Legal action or debt collection

Yes, many lenders allow you to change your repayment date. You must contact them directly before the due date.

Yes. You may make overpayments or pay off the loan early, although some lenders may apply early settlement charges.

Contact your lender immediately. They may offer repayment plans, interest freezes, or refer you to debt support organisations.

We may perform a soft credit check during your application, which won’t affect your credit score.

A soft search is a preliminary credit check that lets us match you with lenders without leaving a mark on your credit file.

Yes, if you proceed with a full loan application, the lender may perform a hard credit search, which will be recorded on your credit file.

Yes. You can view all soft and hard searches on your credit report by requesting it from agencies like Experian, Equifax, or TransUnion.

No. Our initial checks are soft searches. Your score is only affected if a lender performs a hard search.

Yes. We use industry-standard SSL encryption to protect your data and comply fully with the UK GDPR and Data Protection Act 2018.

We only share your data with trusted lenders and partners relevant to your application. We do not sell your data.

Email support@loanxpress.co.uk to update or request deletion of your data. You can also ask for a copy of your data.

Yes. We are registered with the Information Commissioner’s Office (ICO) for data protection compliance.

Yes. You can unsubscribe from marketing emails or SMS at any time via the unsubscribe link or by contacting us.

Ensure all required fields are filled and your internet connection is stable. If problems persist, contact us at support@loanxpress.co.uk.

Please check your spam/junk folder. If it’s not there, email us to confirm your application.

Yes. Our site is fully mobile-optimised.

You can apply online at any time. However, loan decisions and funding times depend on the lender’s working hours.

Check your email for confirmation. If nothing arrives within 10 minutes, please reapply or contact us.

Email us at support@loanxpress.co.uk. We aim to respond within 1 business day.

We currently operate via email only to keep our service streamlined and secure.

Yes, you can abandon the application at any time before accepting a loan offer. There’s no commitment until you sign with a lender.

We can guide you on how to raise a complaint directly with the lender or escalate to the Financial Ombudsman Service.

Yes. We encourage responsible borrowing and can signpost you to free debt advice services like StepChange or National Debtline.

A guarantor loan is a type of personal loan where a third party (guarantor) agrees to repay the loan if you can’t. This helps those with poor credit get approved.

Usually: A friend or family member UK resident aged 21–75 With a strong credit profile and stable income Not financially linked to the applicant

Only if you fail to repay the loan. In that case, the guarantor becomes legally responsible and their credit may be impacted.

Not typically. Once the loan is approved, the guarantor agreement is legally binding.

Some lenders require this, but not all. It depends on the lender's criteria.

It’s a type of loan used to combine multiple debts (e.g. credit cards, payday loans) into a single monthly payment — ideally at a lower interest rate.

It can, especially if the new interest rate is lower or the term is extended. However, spreading payments over a longer term may increase total interest paid.

It may cause a temporary dip due to a hard credit search, but if you repay reliably, your credit score could improve over time.

Yes, some lenders specialise in debt consolidation for those with adverse credit, although interest rates may be higher.

Not directly. LOAN EXPRESS currently focuses on personal consumer loans, not commercial lending.

Yes, if you can show proof of regular income. However, the loan must be used for personal, not business, purposes.

Possibly. Some lenders may ask for 3–6 months of bank statements or self-assessment returns.

No. Our loans are for individuals, not companies or corporations.

PPI is an insurance policy that can help cover your loan repayments if you are unable to pay due to accident, sickness, or unemployment.

No. PPI is not always required. However, some lenders we work with may require PPI as a condition of approving your loan — especially if your credit score is lower or your income is variable.

If your credit score is below average, some lenders may view you as a higher risk. In such cases, they may require PPI to: Reduce the risk of missed repayments Ensure the loan is affordable under unexpected circumstances (e.g. illness or redundancy) Offer you better approval chances by securing the loan against payment risk This is part of the lender’s responsible lending criteria.

We do not require PPI ourselves, but some of the lenders we work with may include PPI as a condition of their offer. You will always be informed before you proceed and receive full documentation.

In many cases, yes. Borrowers with strong credit histories are more likely to receive offers without a PPI requirement. However, you may still choose to purchase PPI for peace of mind.

If the matched lender includes PPI as part of your loan offer, you will: Be shown the full cost breakdown Receive policy information before you accept the loan Be asked for explicit consent before continuing

It ensures your policy is active for the full duration of the loan It avoids any issues with missed monthly premium payments It simplifies the repayment structure — you make one payment, and coverage is secured Lenders often require upfront payment to reduce their financial risk

The PPI premium is paid directly to the lender or their authorised insurance provider. This ensures that your insurance policy is activated immediately upon loan acceptance.

No. When required by a lender, the PPI premium is charged once, upfront. It is non-negotiable under the terms of that specific loan offer.

No. The PPI is a separate upfront cost. It is not deducted from your loan — you must pay it directly to the lender to proceed with the loan disbursement.

Lenders require the upfront PPI payment to: Activate the insurance policy before funds are released Reduce the risk of non-payment Comply with their own underwriting criteria, especially for higher-risk applicants

No. The cost of the PPI will depend on: The loan amount The loan term Your risk profile (e.g. job stability, health status) Each lender calculates this differently, and the price will be clearly shown before you make payment.

If the lender has conditioned approval on upfront PPI, then failing to pay it means the loan will not be disbursed. We may, however, be able to connect you with other lenders who don’t require PPI.

This is a one-time fee you pay us for arranging and processing your loan application. It covers administrative and brokering services provided before your loan is issued.

The fee varies depending on the loan amount and product type, but will always be clearly disclosed before you commit. For example, fees typically range from £65 to £985, depending on the complexity of your application.

You pay the fee upfront, after we've matched you with a lender and before the loan is issued. Payment is made via a secure method.

No. We do not deduct fees from your loan amount. You pay the arrangement fee separately, ensuring you receive 100% of your loan funds.

We charge upfront to: Maintain a transparent pricing model Ensure you're fully informed before committing Reduce fraud and non-serious applications

No. This fee is part of the brokerage service we provide. If you do not wish to pay it, you can choose not to proceed with the loan application

No, but some may hide fees in the interest rate or loan structure. We prefer transparent, upfront disclosure, which is often more honest and clearer to borrowers.