Cobra Payday Loans Guides

How to get a payday loan refund

How to Get a Payday Loan Refund

It’s not too late to claim a refund and compensation on a payday loan that you found to be unaffordable, even if you have paid it off in full. Making a claim on a short-term loan and loans for people with bad credit is easy and need not cost anything. Rules around credit facilities mean […]

Can I stop being a guarantor on a loan

Can I Stop Being a Guarantor on a Loan?

Choosing to be a guarantor is something that should be considered carefully before you sign your name on the dotted line. While it may be relatively easy to agree to being a guarantor, getting out of being a loan guarantor is far more complicated. In some cases, choosing to stop being a guarantor may not […]

How Do I Know If I Have Outstanding Payday Loans

How Do I Know If I Have Outstanding Payday Loans?

If you’re unsure whether you have any outstanding payday loans against your name, it can be a bit tricky to identify who they were taken out with, whether any balances have been transferred to another company, and exactly what the amount remaining to be paid actually is. The information is out there; however, you just […]

What is a Continuous Payment Authority

What is a Continuous Payment Authority?

Continuous Payment Authorities (CPAs) are used by many finance companies, retailers, and service providers to collect loan repayments, membership charges and subscription instalments. Though similar to a Direct Debit, CPAs have some key differences that you should understand to prevent problems from occurring. A CPA, also known as a recurring payment, allows regular sums of […]

Will a payday lender contact my employer

Do Payday Lenders Contact My Employer?

Fearing a lender might get in touch with your employer is a common worry for many people that apply for any type of finance, but even more so with the stigma attached to payday loans. No one wants details of their personal finance shared with the people they work with. But worry no more. Payday […]

how long do payday loans stay on your credit report

How Long Do Payday Loans Stay on Your Credit Record?

Payday loans are designed to bridge a short-term financial gap, which often occurs when an unexpected expense arises, such as a car repair bill or a broken boiler. If payday is still a few weeks away, a payday loan could provide you with access to anything from £100 up to £5,000, with most loans repaid […]

remove payday loans from credit report

Can I Get Payday Loans Removed From My Credit Report?

Payday loans are a popular form of short-term borrowing, with many people using these types of quick loans as a way to cover the cost of unexpected expenses. The term ‘payday’ is used as these loans are often repaid in full on the borrower’s next payday, although many lenders will allow payments to be spread […]

can you go to jail for unpaid payday loans

Can You Go to Jail for Unpaid Payday Loans?

Having debt looming over you is never a good feeling, and we understand the anxieties and fears that might come from it – especially if you are struggling to pay them back on time. If you’re finding it hard to pay back your payday loans, then your provider might even begin to threaten you with […]

payday loans and mortgages

Can Payday Loans Affect Getting a Mortgage?

Buying a home is an exciting time – whether you’re getting a mortgage for the first time or you’re moving on to something bigger and better. If you’ve found that perfect dream property or you’re just thinking about buying in the future, being savvy to the ins and outs of finances pays off in the […]

direct lender

List of Direct Lenders in the UK

When looking for a loan it’s important to ensure you use an FCA authorised lender. For your convenience we have listed below all current active payday and short term lenders available in the UK, these are all direct lenders, no brokers are in this list. Many of them are part of our own panel of […]