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Express loans are disbursed very quickly and effectively so that the person needing such instant payday loan has access to it immediately. As the loan is for a small amount, it is easy to repay. People don’t mind the interest rates as far as they are concerned it is the timely availability of such loans that counts. Further the instant payday loans satisfy the customer exactly in times of his need. Names instant payday loan itself contains the word instant and true to its name this loan is instantaneous. Different organizations have different terms and conditions. Some financial institutions prefer the customer to send a fax of the statement of his bank account whereas other organizations do not insist on this. Instant payday loans come with the tag “No questions asked” which has made it a popular avenue of finance for the middle class.