Instant Short Term Loans

Loans from £100 - £5000 - Quick Decision!

Apply Now!

100% Secure Online Application

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).

Warning: Late repayment can cause you serious money problems. For help, go to

Cobra Payday Loans Hero

Get Quick Cash

Instant Short Term Loans From Cobra Loans

It’s no surprise that increasing numbers of people are looking for a lifeline to help them to manage their money. Times are tough, and we can all find ourselves in need of short term financial help.

We can help you secure a cash loan quickly and easily. Simply apply using our secure application form and we’ll do all the hard work in finding you a loan of any amount between £100 and £5000!


What Our Customers Say About Us

What are short term loans?

Many respected lenders appreciate that people sometimes need immediate cash to help them with unexpected bills, cope with a dip in earnings, or fund a major purchase. For this, they need a flexible personal loan – money for their own use – that pays out quickly. Even people with jobs or some other steady income can temporarily need a cash boost in the form of an instant lump sum. This is a short term loan.

The money would then be paid back relatively quickly, in regular monthly amounts. The date of these payments often coincides with when they get their wage – which is why they are sometimes called a ‘quick payday loan’. Some lenders call it payday lending when it’s cash needed for less than six months, for example. They use the term ‘short term’ for slightly longer repayment agreements.

However, all these types of lending products are designed to help you cope with an immediate need for cash. It’s just that different providers apply their own descriptions and rules for cash advances for short lending periods.

Instant short term loans were developed as a credit option to give people access to money swiftly, understanding that it can be paid back in the near future from their earnings. So, the interest rate for instant short term loans reflects these expectations.

The monthly repayment plan for the loan would be carefully structured – and agreed with you – to extend the loan period over a limited time. However, this could be anything between 30 days and 36 months!

How quickly can I have a short term loan?

If you are thinking of applying for an instant short term loan, this often means you need to be able to get quick access to cash, preferably with a lump sum paid into your account today.

Relying on credible lenders is important. They have developed swift application methods for a quick payday and short term loan. They can process your request and check your financial commitment within minutes to get your loan amount to you seamlessly. Yes, minutes! It takes as little as 60 seconds to fill out our form online. It then takes minutes for your application to be received and checked. When the instant short term loan is rubber-stamped, the money can often be in your bank account within ten minutes.

This quick and efficient process starts when you use our service, which is all online for speed and convenience. You can apply any time of day or night. Then, using our online credit system, you are matched to the right provider. They are committed to processing your application immediately. Then, they will pay your loan amount instantly into your bank account. It really is that quick!

Ready to apply?

Borrow from £100 to £5000

How much can I borrow short term?

The best short term loans with instant access to cash are provided by companies that are regulated. Our panel of loan providers has been validated by us too, and we have confidence that they will offer you the best rates for short term lending.

Keep in mind that different providers have their own systems and criteria. That includes the amount they are prepared to lend to you, the interest charged on your loan and the length of time covered by the ‘short term’ or payday lending. That’s why our website is so helpful, as we match you to both reliable and versatile credit providers ideally suited to your needs.

Also, loans for short term periods – that provide quick lending solutions – are not just for individuals. Temporary business lending is also possible from this financial product. Generally, the most you can lend with a short term loan is £5,000, and providers offer repayment plans between one and 36 months. If you need something different, can find the right financing arrangement to suit you.

Would I qualify for short term lending?

For business lending, the rules are often different, but for instant personal short term loans, the eligibility criteria are usually pretty simple.

You must be aged 18 or over and a UK citizen with a British bank account for the loan amount to be paid into. To qualify for a loan, you will also need to provide evidence of a steady income. This shows you have the ability to repay the full amount over an agreed timeframe. So, you could use wage slips to show that you will be able to make regular payments to settle your short term credit agreement.

What is the approval rate for instant short term loans? As long as you match the above requirements, then almost 100% of applications are successful.

Uses and benefits of short term loans

The advantages of applying for instant loans are many, but they depend on your personal circumstances.

What can you use short term loans for? Anything! This is a flexible way to get cash fast, and you will not have to explain why you need the money or what you are using it for!

Clearly, one of the best reasons to use this form of lending is that it means you can get a loan quickly when you have a serious cash shortfall.

Instant short term loans can be a lifeline if you find yourself facing big bills that need to be settled, and your payday is some time off. Or, perhaps an important household appliance needs replacing as a matter of urgency. For example, what do you do if your family washing machine breaks and your bank balance is low? The solution could be to take out a short term loan and get instant cash to replace this essential piece of equipment.

Other customers who apply for loans use the money for urgent house repairs, fund travel to urgently visit a family member, or even send cash to a relative who has a money crisis. Another example would be experiencing problems with your car or motorbike that gets you to work and helps you keep hold of your job. But, what happens if it needs repairs or fails its MOT and you don’t have any ready cash to deal with it? Again, a quick short term loan can help you out, enabling you to keep going to work.

Many people find themselves in need of instant loans these days. That’s because many households exist on a tight budget. One extra or unexpected cost can create a major headache, and having instant access to a short term loan can be a massive relief.

Importantly, your loan repayments are all online too. Paying off your instant lending deal is automated and easy, making it all as painless as possible! (And helping to ensure you don’t accidentally miss payments.)

Short term loans are a little more lenient for people with a bad credit history. This is a really great reason to use instant short term lending to help you out in a crisis. The alternative is being tied up in admin and a complex applications process with traditional lenders who may refuse your loan due to a low credit score.

Using our website to find a loan means that you don’t have to deal with all that hassle and heartache. Our providers look at whether you can make regular repayments and cover the interest from your future income. So they don’t need to know about problems in the past.

It’s worth emphasising that using our service to find loans means no paperwork and no hard-to-answer questions or time wasted. You can arrange to have quick cash paid into your account with our online short term loan service in a matter of minutes.

Are there disadvantages to short term payday loans?

It’s important to emphasise that these loans are not suitable for everyone who finds themselves in need of help with their finances and cash flow. There are occasions when it would be better to investigate other forms of credit, and that is something Cobra payday loans can help you with.

One of the main reasons to look at alternative loan deals is that the interest rate can be relatively higher for short term lending. That’s because it is designed to provide you with quick cash that’s paid back quickly too. So the interest rate reflects this level of service, immediacy and reduced time frame.

It’s also important to give you some honest advice on short term lending. It can be a great way to handle a crisis in your finances. For many people, it’s a hassle-free way to deal with unexpected bills and expenses. However, you should not take out new loans if you already have a considerable amount of debt to manage. It is important to be confident you can pay your short term loan back before applying for this product. Otherwise, there is a danger of you using this as a quick-fix solution for money problems without seeing the bigger picture.

Having a substantial debt to juggle – or concerns about your future earnings – makes it unwise to apply for a loan. Instead, explore wider and more robust solutions to manage your money situation.

Also, as short term loans are an easy and quick way to get cash, the temptation is to keep coming back for more! They are a valuable solution when you need instant money, but taking out multiple loans can be very unwise.

The last important tip is that you must use a regulated and credible lending broker and a loan provider who is approved and validated. This avoids taking out quick payday loans from unscrupulous lenders. One of the perils of that path is paying very high rates of interest. That can be heartbreaking when you could actually be benefiting from a comfortable repayment plan for short term loans using carefully checked providers.

There is a common theme to all of these potential disadvantages for instant cash from a short term loan. You could end up making your money situation worse unless you proceed with care. This can be avoided if you ask yourself, ‘Is an instant short term loan best for me?’. Then, apply for this valuable financial lifeline using Cobra payday loans and our approved providers.

Remember, even though you can apply for instant short terms loans without worrying about bad credit history, you must be able to make regular payments so you protect your future financial health!

Apply for a loan today

Borrow from £100 to £5000

Which is best, short or long term loans?

We have looked at the advantages of instant short term loans and some ways you can use the cash. We have also mentioned that some people may want to consider longer-term lending instead, but what’s the difference between getting cash quickly from a short term loan and extending your credit agreement over a longer time frame?

The main difference is in the amount of interest you pay for these personal lending options. If you need cash quickly and want to pay it back within 12 months, the interest rate will reflect the convenience and speed of this. Providers of flexible loans need to stay in profit, so they temporarily charge an equitable interest rate for cash lent. On longer loans, credit providers will get income from the interest from one year to 25 years to reduce the actual interest rate, safe in their knowledge that they will get a steady amount of profit over a period of years.

This all means that you can often lend more if you take out a long term loan, and the interest charged will be lower. However, this often requires that you answer more questions and show substantial evidence that you can keep up with payments, making it a slower and more complicated way to get cash.

If you only need up to £5,000 and want fast cash, instant short-term loans can be a great option. Particularly as within a few months, you can have the loan all paid off, with the peace of mind that brings.

Trustworthy lender for immediate cash

How can you be sure of finding a reliable provider of instant short term loans?

Cobra payday loans is an FCA authorised credit broker. This means we have the proper accreditation to offer financial advice that is fair and trustworthy.

Our website has been designed to apply for fast and flexible loans as easy as possible. However, we are keen to help our clients to understand all the implications and support wise decision making in money management matters.