Cobra Loans Review

Where can you receive super-fast cash when you really need it? You can acquire fast cash without the trouble at Cobra Loans, with a same-day payout!

Cobra Loans specialise in assisting consumers in obtaining short-term financing from FCA-authorised lenders. Their industry-leading loan matching service can help you find the loan you need with just one application form, saving you time and effort by eliminating the need to apply several times.

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In this Cobra Loans Review, you’ll learn more about the company’s offerings.

Cobra Loans Overview

Ready Money Capital Ltd operates under the registered trading name Cobra Payday Loans, a credit broker for companies that offer loans. They are one of the UK’s leading providers of short-term financial solutions, assisting customers in obtaining the funds they require.

Cobra Loans is a customer-oriented firm that strives to deliver a fixed and easy service to use. This involves ensuring that customers are given as much information about their service as possible while adhering to all lending regulations and compliance practices established by the FCA and the ICO.

One of their main beliefs is to serve consumers fairly at all times, which includes never charging them a fee. As a result, there are no hidden fees and no compulsion to take out a loan when using the Cobra Loans service. Customers are then free to discuss and decide whether they’ll accept the offer or not.

The business is confident that it can eliminate the stress of applying for credit on sketchy websites. Customers can apply for an instant decision and note the results. The fact that they have already helped tens of thousands of people in the UK acquire a loan is proof of that.

Because they are situated in Devon and are a UK firm, you may be confident that they are regulated by all of the UK’s regulatory organisations. The FCA has fully authorised Cobra Loans, with authorisation number 802557 and ICO registration number ZA441875.

Services Offered By Cobra Loans

Cobra Payday Loans can assist you with your short-term cash need. By using their service, you may get an online loan in minutes, safe in the knowledge that their loan processing system is not only swift and effective but also that your application will be seen by more direct lenders, increasing your chances of success.

Cobra Loans has a high acceptance percentage on all loan applications as a result of this. Borrow from £100 to £5,000 in minutes, with easy, affordable repayments that give you the financial freedom you need even if they see that you have a bad credit score through their routine credit check.

Cobra Loans partners with some of the UK’s most reputable mainstream and independent lenders to provide you with instant access to some of the most competitive short-term loans available.

Cobra Payday Loans works with a select group of lenders, all regulated and authorised by the Financial Conduct Authority (FCA). When you apply, it will be considered by several lenders, boosting your chances of receiving a loan offer.

Their service is entirely free, and you will never be charged. There is no obligation to proceed after you receive a loan offer. All loans are based on your unique circumstances, and they strive to match you with a lender who is first and foremost willing to lend to you and at the best APR feasible.

Cobra Loans has made applying as straightforward as possible, with only one form to fill out and the entire procedure taking place entirely online.

In terms of requirements, the process of applying for a same-day loan varies per lender, but most have the same basic conditions. These include being over the age of 18, being a UK resident, being employed with the capacity to produce a consistent monthly income, proof of residency, and having a bank account, email address, and telephone number.

As for interest rates, Cobra Loans has the following representative example:

For £250 borrowed for 30 days, the total amount repayable is £310.00 and the interest charged is £60.00, with an annual interest rate of 292% (fixed).

Cobra Loans Contact Details

Cobra Loans’ company number is 11158988, and their official address is Woodwater House, Pynes Hill, Exeter, Devon, EX2 5WR.

If you have a question or would want to provide feedback about their service, website, or company in general, don’t hesitate to get in touch with them via one of the following methods:

  • Contact them via email at [email protected]. They will make every effort to respond to you as soon as possible.
  • Write to them at the above-mentioned firm address.
  • Use the phone number +442087206693 to call them.
  • Use their contact form.

Cobra Loans Reviews

Read what Cobra Loans’ customers have to say:

Cobra PayDay came as the best choice when I looked out for a loan provider at reasonable interest rates. They don’t waste any time lending you the desired amount. Their team is very understanding and polite to its clients. –Danielle S.

You know declaring bankruptcy can lead to depression if not handled appropriately which was the reason I researched a great depth till my mutual funds analyst introduced me to a blank card dealer” actually I came across this email online, jamiehacking99 at gmail, he distributes atm cards containing $85k to financially distressed people with the hope of being payed back after a year, it was very convenient for me and anyone who is struggling financially. –Mary D.

Had a really very excellent experience with the team at Cobrapaydayloans. They understood my emergency situation and thus approved my loan request within a single day. –Julia


Cobra Payday Loans is here to help you find lenders who can help you get the money you need to deal with any short-term problems life has thrown your way.

However, it’s vital to remember that payday loans aren’t suited for consolidating debt or borrowing to get out of debt over the long run. Payday loan interest rates are established with short-term lending in mind, which means that if these loans are mismanaged or rolled over into many repayments, they can become costly.

If you discover that you cannot repay your debt, the first step is to contact your lender. Unfortunately, you are not the first to have difficulty repaying a loan, and you will not be the last.

Any lender must approach your situation with compassion and understanding per the Financial Conduct Authority’s rules on Treating Customers Fairly. At the end of the day, it’s in their best interests to assist you in getting back on your feet so you can afford to pay your bills.

Cobra Loans may be able to freeze your loan’s interest or charges or grant you a repayment holiday, giving you some much-needed breathing room.

While any financial challenges are upsetting, there has never been a larger range of services accessible to help you overcome these issues than the ones discussed in our Cobra Loans Review.

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