Cobra Payday Loans Guides

Do lenders perform a credit check

Will My Credit File Be Checked When I Apply for a Loan?

One of the key tests anyone who wants access to finance has to pass is a check on your credit file. For some people, this is a mere formality, allowing the lender to rubber-stamp their decision to grant access to finance and approve the loan or credit as ‘affordable, while for some people, the credit […]

What are small loans and are they right for me

What Are Small Loans?

The world of personal finance is full of different terms for different types of credit, many of which sound the same or refer to products that aren’t described very well by their names. We love to help customers by de-mystifying these words to help you make better choices, and today we’re going to be tackling […]

Struggling to repay your payday loan

Can’t Repay Your Payday Loan? Here’s What You Can Do

The concept of a payday loan is, on the surface, straightforward. Should you be experiencing any financial shortfall, you fill out a short form, get a quick loan (if you are accepted), and then pay it back in good time so that you do not accrue any significant level of interest. It is worth highlight […]

Do you have bad credit- How can you get a loan

How to Get a Loan With Bad Credit

For those with bad credit, getting a loan can seem an impossible feat. Bad credit doesn’t always mean that you have a large amount of outstanding debt. There are endless factors that can impact your credit score. However, regardless of the amount of your outstanding debt, if your credit score isn’t great, many lenders are […]

What is APR and what does it mean

APR Explained – Understanding the Annual Percentage Rate

One of the most confusing things to get your head around is the annual percentage rate or APR when looking at loans. It is also one of the most misunderstood. All payday loans will be advertised with the APR clearly shown. If a lender does not tell you the APR, avoid them, as they are […]

When should you avoid taking out a payday loan

When and How to Avoid Payday Loans

Are you looking for information on how or when to avoid taking out a payday loan or emergency loan? The good news is that even when finances are tight, there are still lots of ways you can get by without having to borrow money at a high cost. But how exactly can you achieve this? […]

How to avoid getting into a spiral of debt

Debt Cycles and How to Avoid Them

Most of us get into debt. Credit enables us to invest in the here and now and make plans for the future. But getting trapped into a debt cycle can be difficult or almost impossible to escape. There is a way out. Mortgages, student finance, investment in home improvements and buying a new and reliable […]

What_s better, a payday loan or overdraft

Payday Loan Vs. Overdraft: Which Is Best?

While it’s important to be responsible in terms of money management, sometimes life’s unexpected twists and turns mean that we find ourselves in need of financial help from time to time. This can be in the form of a payday loan, credit card, overdraft or another financial service. So whether you need to fund repairs […]

alternatives to payday loans

Alternatives to Payday Loans

When you have a short term financial crisis, it can be difficult to figure out what options you might have to obtain funds in a hurry. Payday loans are one quick and easy option, but there may be other avenues you can explore as well. While payday loans are suitable for short term lending, they […]

Rebuilding your credit score

How to Rebuild Your Credit Score

Anybody who has ever tried to access finance knows how vital their credit score is to their ability to borrow money. It’s your passport to money, but while most of the information is there to confirm that you are who you say you are, there are also parts of the score that will determine whether […]