Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk Compare our loans at AllTheLenders.org.uk

Coronavirus (COVID-19) Update - please click here.

Welcome to Dot Dot Loans

Loans from £200 to £1000

3, 6 and 9 months

Find out more

Existing customers please login here

Representative 757.7% APR

Loans from £1500 to £4000

Up to 48 months

Find out more

New customers only

Representative 99.9% APR

No hidden fees or costs Less than perfect credit accepted UK based Customer Service Team
Subject to credit and affordability checks, over 18s only (over 21 for long-term loans)
  • We're simple
  • We're straightforward
  • We're convenient

Apply for a loan in 5 simple steps


Complete our simple online application.

Approved in minutes

Find out if you've been initially approved in minutes.

Accept loan terms

We may be in touch to confirm a few details. Otherwise you'll be asked to review and accept the terms of the loan.

Money within an hour

Once your loan has been approved, the money could be in your bank account within an hour.


Make monthly repayments on a date agreed upfront.

About Dot Dot Loans

We offer customers short-term and long-term, online loans. You can borrow from £200 to £1000 for between 3 and 9 months with our short-term loans, and from £1500 to £4000 for between 18 and 48 months with our long-term loans.

As a responsible lender we always carry out credit and affordability checks. We're here to help our customers and we take our responsibilities seriously.

We provide a straightforward, friendly and efficient service. Loans are funded every hour between 9am and 10pm, seven days a week. If you're approved after 10pm your loan will be funded at 9am the next day.

Why choose Dot Dot Loans

only pay back agreed amount Only ever pay back the amount agreed upfront
flexible repayments No penalty fees or extra interest - we try to be flexible
Monthly instalments Pay back what you borrow in manageable monthly instalments
Online decision Quick online decision
Friendly Customer Service Team Friendly UK based Customer Service team
declines don't affect credit score Less than perfect credit scores accepted


  • What are your fees and charges?

    You can see the interest rates applicable during your loan application.

    We don't charge any missed or late payment fees and you'll never pay more than the about agreed upfront.

  • How quickly will I get my loan?

    Loans are funded every hour between 9am and 10pm, seven days a week. If you're approved after 10pm your loan will be funded at 9am the next day.

  • Can I pay my loan off early?

    Yes – get in touch if you want to pay your loan off early and we’ll let you know what you need to pay. You may be entitled to a rebate of interest.

  • How much will I pay back?

    The only cost you will pay on top of the amount you borrow is fixed interest. The amount you borrow, plus the interest payable on this is the ‘total amount payable’ and varies depending on the amount you borrow and how long you borrow it for.

    You'll always know exactly how much you'll pay before you agree to your loan.

Loans from £200 to £1000

Apply now

Representative 757.7% APR

Loans from £1500 to £4000

Apply now

Representative 99.9% APR

Short-term loans: 757.7% APR Representative Long-term loans: 99.9% APR Representative