Cobra Payday Loans Guides

If someone dies what happens to their debts

What Happens to Someone’s Debt After They Die?

Dealing with the estate and finances of a deceased person can always be difficult, especially when the issue is compounded by the grief felt at the person’s death. This problem can become even worse, however, when there are still outstanding debts that need repaying. Knowing who has to deal with that debt, and how they […]

No credit check loans, is there such a thing

Do No Credit Check Payday Loans Really Exist?

If you’ve been wondering whether no credit check loans exist, the answer to your question is yes – in theory. In practice, they should not be offered by lenders in the UK, and with good reason. It may even be against the law for a payday lender to offer you a loan without a credit […]

What exactly is an IVA

What Is an IVA? Individual Voluntary Agreements Explained

What Is an IVA? An IVA, or Individual Voluntary Agreement, is a financial arrangement intended to manage significant debts. Individual Voluntary Arrangements are usually made between a consumer and the organisations to whom money is owed. An IVA can be helpful in the case of an individual owing money to a number of different companies […]

How is it best to avoid having a bad credit score

How to Avoid Having a Bad Credit Score

Understanding your credit score might seem complicated. A quick search on Google will bring up plenty of pages detailing what credit scores mean, and suggestions on how to boost yours – but does it all actually make a difference? With conflicting pieces of advice out there, it can be hard to know how to put […]

Are payday loans safe

Are Payday Loans Safe? A Guide to Using Payday Loans Safely

Payday loans are incredibly easy to apply for and access. According to the Citizens Advice Bureau (CAB) Payday Loans Survey, 98% of borrowers stated that they found payday loans easy to use. However, ease of access to money makes this source of financing potentially dangerous. It is the model of payday loan companies to make […]

Not sure you want a bad credit loan

What Are the Alternatives to Bad Credit Loans?

If you have bad credit it can be difficult to know where to turn if you need a loan. Sometimes there’s no way around it, you simply need to borrow money to get you out of a financial pinch – but where can you turn? Fortunately, if you have bad credit you’re not alone, it’s […]

Will a payday loan affect your credit score

Do Payday Loans Affect Your Credit Score?

A payday loan will not usually impact upon your credit score providing you use it responsibly and repay in full and on time. Some people worry that taking out a payday loan will have a negative impact on their credit score. Emergency expenses are a part of life and often cannot be avoided. A payday […]

What is bankruptcy

Bankruptcy in the UK Explained – What You Need to Know

Bankruptcy is a bit of a dirty word in the UK, and can conjure up all kinds of unpleasant associations such as assets being seized, businesses failing and homes being repossessed. But while bankruptcy is a serious move that has lasting consequences, and shouldn’t be taken lightly, it’s far from the horror story that some […]

What is a credit score

What Is a Credit Score and How Is It Worked Out?

If you’re about to apply for credit you are often advised to check your credit score, as it can make a huge difference to the success of your application. What exactly is a credit score? How is it worked out and are there any ways you can improve it? What Exactly Is a Credit Score? […]

What exactly are short term loans?

What Are Short Term Loans?

So, you’ve decided you may be interested in a short term loan. This can be a scary prospect, especially for a first time borrower. You may have lots of questions: what is a short term loan? How do I pay it back? What are the benefits of a short term loan in the first place? […]