Cash Loans

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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed).Representative 669.35% APR (variable).

Cash Loans – Fast Funds for When You Need Money Today

Access to finance is one of the most important issues facing ordinary families in Britain today, and while it’s something many people take for granted, for others it can be a serious problem for their family lives. Your personal finance options are rather like tools in a box: You can use different tools in different situations, and it helps to have as many different types of tools as possible. But, unfortunately, some people find themselves in a position where they have no tools at all.

You use your financial tools to fix different problems, from an emergency expense that you don’t have the cash to cover, all the way to a lean month that means you can’t cover your bills. This isn’t an issue if you have the tools to fix the problem, and you can access finance easily, but if you don’t it can leave you feeling lost and uncertain. That’s where Cobra Payday Loans comes in. If you feel like you’ve got an empty toolbox, and you need someone to lend you what you need, we’re here to help.

Flexible Cash Loans

While in some ways finance has never been easier to access, there are also high barriers that were never there before and can lead to some people losing out. We can apply for loans with high street banks in seconds, with the click of a mouse, and have the money in our accounts without us ever leaving the house. The trouble is, if the banks decide they don’t want to lend to you, then it’s really hard to get out of the little box they’ve put you in. And even if they do eventually decide to lend to you, they can be very strict on how much you can borrow, how long you need to borrow it for and what you can spend it on, meaning you’re forced to borrow an amount that might not fit what you need.

That’s not how we work at Cobra Payday Loans. The whole point of our service is that you get exactly the amount of money you need, exactly when you need it, without any of the hidden catches that get in the way. We recognise that your personal finances ebb and flow all the time, and that sometimes everybody just needs a little bit of extra cash without all the difficulty and time it would take to go to a high street bank.

First of all, we can arrange loans for almost anyone, even if you’ve had bad credit in the past, through a bad credit loan. We judge each individual based on their situation, and we don’t go out of our way to turn you down like the high street banks do. If you’re working, and you can fill out our online forms honestly to see if you’re eligible, you could have the money in your account within minutes**.

Another great reason to go with Cobra Payday Loans is that we don’t have all of the specifications and restrictions that high street banks do. You decide exactly how much you want to borrow, and you decide exactly how long you want to borrow it for. As a result, you’re not forced to borrow too much or too little, and you’re not forced to accept an endless payment term that sets you up for failure. Just tell us what you want, and we’ll do our best to help you get it.

While we’re famous for our flexibility around the products we have, did you know we’re also flexible for you too? High street banks go through all kinds of rounds of checking to make sure you’re a good candidate for a loan, which not only takes a lot of time, it also harms your credit score by conducting hard searches on your file. Lenders don’t like to see hard searches, so it’s not good to have too many. While we still carry out checks to make sure what you’re borrowing is safe, at the same time we only carry out soft checks on your report which don’t damage your score. That means our checks are much faster and kinder to your credit too!

Types of Cash Loans

When we say we’re flexible, that also applies to the types of loan you can get. Whatever your situation, we’ve got a product that can be perfect to suit your needs. If you’re looking for a bit of extra cash to cover an unexpected expense or just carry you through to pay day, then a traditional payday loan might be exactly what you need. It does exactly what it says on the tin, lending you less £1000 to tide you over until the next time you get paid, with all the money being paid back at the end of the month. It’s a great system for those unexpected bills because you know exactly how much you’ll be paying back ahead of time, so there aren’t any nasty surprises afterwards. It’s a totally transparent type of loan that’s useful for anyone who just needs a little boost.

If you’re looking for a longer-term loan, then we can help you out with that too! Sometimes it helps to spread out the cost of a purchase, and if you know you won’t be able to pay the money back in a month, why would you set yourself up to fail? That’s why we also have the option to spread your payments out over up to 36 months, so you’ll pay back less each month but still pay your debt down. Using this option is great for larger purchases and takes a lot of the pressure off you to come up with large amounts of money on a really tight deadline, but it usually means you’ll pay more interest over time and it runs the risk of you forgetting to pay, so it’s important to be disciplined.

On top of these two most common types of loan, there is also a galaxy of other loans out there that can help you regardless of your situation. It’s our job to scour the UK’s lenders and find the loan package that’s perfect for your situation, so just tell us what you need and a little bit about yourself and we’ll do the rest. From same day loans to revolving credit agreements, if you need cash fast and you’re not sure how to go about getting it, we’ve got a solution for you.

Are You a Lender?

Here at Cobra Payday Loans, we don’t actually lend you money, we’re what’s called a credit broker. That means we act as the link between you and thousands of lenders all over the UK who are waiting to lend you the money you need. The world of personal finance can be very confusing, and there are so many options out there beyond the high street banks, many of which you can’t even see if you’re not in the industry. We work for you, and it’s our job to find you loans and rates that you would never be able to find on the internet, thanks to our great relationships with speciality lenders all over Britain. Whether you’ve got bad credit, or if you just want a fast loan at a decent rate of interest but you’ve had no luck on the high street, we’ve got the lenders who can help you out.

Working with us also means that you’ll benefit from our help and our years of experience in the finance industry when it comes to choosing the type of product that’s right for you. You can also be sure that we’re the real deal. We’re regulated by the Financial Conduct Authority, and we only work with the most honest and trustworthy lenders, so you don’t need to worry about whether or not a lender is genuine. We’ve done the homework for you. If you’d like a loan, but you’d rather someone else do the legwork for you, come to us.

How Do I Get a Cash Loan?

It’s our job to get out there and secure you the best credit options available, but there are a few things you can do to make sure you’re in the best position to get a loan when you need one. Let’s take a look at a few of them.

Firstly, it’s a good idea to get your own finances in order before you try to borrow more. Set yourself up a budget spreadsheet that looks at all of your incomings and outgoings, so you have a really clear picture of where you stand. If there’s space in there for another expense, then that’s great, and you should be a great candidate for credit. If not, then it might be a good idea to wait for a bit until you’re in a stronger position. Remember to include interest payments in this bit, because that’s an important factor in the affordability of the loan.

Next up comes the application. We carefully look over the information you provide to find loans that are perfect for you, and we base our decisions on what you’ve told us. Not only are our choices likely to be wrong if the information you’ve provided is wrong, but this could lead to us recommending a product that’s inappropriate for you, and could put you into financial difficulties. That’s why it’s very important that you are honest in your application, and that you’re sure you haven’t made any errors. Try to be as accurate and thorough as possible, because the more accurate information we have, the better the choices we pick out will be suited to you.

Once you have been approved for a loan and the money is in your account, it’s very important that you stick to the payment schedule that you agreed to. Paying early is always a good idea, unless you’re not allowed to by the terms, because then you can be sure you’ll have enough money to make your next payment. If you pay late, or don’t pay at all, there can be serious consequences for your credit score and your financial health, which may result in your being refused credit in the future or may cause you to have belongings repossessed.

How Do I Build My Credit Score?

Another great way of getting access to more types of loans is to build your credit score. The score is based on your credit report, the information banks can see about you then helps them decide whether or not to lend you money. It’s got a lot of information in there about you, including your personal details, a list of all the debts you owe and how many payments you’ve missed or made late. Boosting your score makes you a better target in the eyes of lenders, and it will make it much easier for us to find you a better variety of loans at better interest rates.

One of the easiest ways to build your score is simply to be disciplined with your payments and make sure you don’t miss any. You can also lower the amount of money that you owe before you try to take out any more. A good tip is to try to use less than 50% of the amount of money that you can borrow, which shows to the lenders that you can be disciplined with your finances, and that you’re not likely to overextend yourself. One simple trick is to make sure that all of your details are right on your credit report, such as your name, address and date of birth. Lenders use your report to try to confirm that you are who you say you are, and if the details don’t match what you have put on your application, they count that against you. It’s especially important to do this after major life events, such as changing your name or moving house, because that’s when errors can creep in.

What Do I Do If I Have Problems?

Credit should be a ticket to freedom, a great way to spread the cost of making progress in your life and achieving new things, whether that’s fixing a boiler or going on holiday. While it’s true that credit can open lots of doors, if you’re not careful it can also become a bad habit, which can lead to problem debt. Problem debt is a spiral that causes you to borrow more in the interests of repaying what you already owe, taking out loans and credit cards to pay off other loans and credit cards before the payments are due. This is not a sustainable way to live, and one day the whole pack of cards can come tumbling down when you can’t borrow any more, and you’re left with a massive bill that you can’t pay.

We will always try to avoid recommending products which aren’t in your best interests, but it’s important that you know there are organisations out there set up to help people who struggle with problem debt and can’t find a way out. They can help you set up repayment plans to get you back on the right track and on the way to being debt free, whether that’s as simple as a more affordable budget or something more serious like bankruptcy. Charities like Step Change and Christians Against Poverty are a couple of those out there who can help, while you can always turn to Governmental organisations such as the Citizens Advice Bureau, who can offer advice on a range of topics from debt management to debt relief options.

Apply Today

Getting credit at the right time can be a really life-changing experience, but it’s often hard to do in today’s hyper cautious age when the banks are trying to find any reason to turn you down. That’s why you should work with Cobra Payday Loans. We’re on your side, and we work tirelessly to find the products that are best for you, and can help you turn a bad situation into a walk in the park. We listen, we understand, and we’re ready and waiting to introduce you to a great range of creditors from all over Britain, at rates you won’t find anywhere else.

If you need a cash loan but you haven’t been accepted before, or if you can’t find the right product for you online, then trust us to do it for you. We’ve got an amazing range of products that are totally flexible and tailored to you, so that you won’t have to make any compromises in your pursuit of the cash you need. Whether you only want to borrow a small loan amount, you want to borrow over a period that’s set by you, or you need the money for a specific life emergency like a broken car, we can find you exactly what you need. So don’t delay, apply today!

Loan Options

Apply Now!

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

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