Loans from £100 to £5,000 | Dot Dot Loans

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. Dot Dot Loans is a credit broker, not a lender.

Dot Dot Loans
Loans £100 to £5,000 Check my eligibility
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Loans from
£100 to £5,000

Check your eligibility for a personal loan in minutes, with no obligation.

2-minute form No documents needed for our form

How much would you like to borrow?

Set your amount and term, then check your eligibility. No commitment.

£ 1,000
£100£5,000
18 months
3 months36 months
Apply to borrow
£1,000
Repaid over 18 months
Representative APR 79.5% (Variable)
Check my eligibility
Soft search, no impact on your credit score

A soft search does not affect your credit score. A hard credit search is only carried out when you formally apply to a lender which can affect your credit score.

Representative APR 79.5% (Variable)

We are a credit broker, not a lender. We work with a panel of FCA authorised lenders and credit brokers. We do not search the whole market. Rates from 12.9% APR to 1721% APR. Minimum Term 3 months. Maximum Term 36 months. Representative Example: £1,000 borrowed for 18 months. 17 monthly repayments at £87.22, final repayment of £87.70. Total amount repayable £1,570.44. Interest total £570.44. Annual interest rate 59.97% (fixed). Representative APR 79.5% (Variable). ^Subject to lender approval. Any representative monthly repayment shown is for illustration only, based on our representative APR. Your actual repayments will be confirmed by the matching lender if your application is approved.

Find a personal loan in three simple steps

One short form checks our panel for a potential match using a soft search that does not affect your credit score.

Step 1

Soft search eligibility check

A soft search checks initial eligibility without affecting your credit score or being visible to other lenders. A lender may carry out a hard credit search if you continue with a formal application.

Step 2

Search lenders and brokers

One short form searches our panel to find a potential match without applying separately.

Step 3

See if we find a potential match

We securely share your details with participating partners to look for a potential match. If there is a potential match, we take you to the partner's website to continue. A match is not a guarantee of approval.

9:41
Dot Dot Loans

Soft search only

We check your eligibility with a soft search only.

Loan amount£1,000
Repaid over18 months
Check my eligibility

Searching our panel

Matching you across FCA authorised UK lenders.

A
Lender A
Potential match
B
Lender B
Potential match
C
Lender C
Potential match
D
Lender D
Searching...

You may be matched

If eligible, you may be matched with a lender who can consider your application.

Illustrative borrowing example
£1,000
Monthly
£87.22
Term
18 mo
APR
79.5%
Continue to partner

Being matched with a lender does not guarantee you will be accepted for a loan. Any offer is subject to the lender's own affordability and credit checks, and the rate, amount and term you are offered may differ from the examples shown here. Dot Dot Loans is a credit broker, not a lender, and does not make lending decisions. Representative APR 79.5% (Variable).

Other loan types

Explore the kind of borrowing that fits your situation.

Loans for bad credit

A less than perfect score doesn't necessarily rule you out. Some lenders consider more than your credit score.

Short term loans

Borrow for the near term and pay it back over 3 to 12 months.

Payday loans

A small advance to bridge the gap until you're next paid.

You're in safe hands

Dot Dot Loans is an FCA-authorised UK credit broker. Our service is free to use.

FCA authorised and regulated

Authorised and regulated by the Financial Conduct Authority under firm reference 919697, so you're dealing with a regulated credit broker.

No impact on your credit score

Checking your eligibility uses a soft search and does not affect your credit score.

Always free to use

There are no broker fees, ever. Our service is free to use. We may be paid a commission by the lender or broker we introduce you to. See how we make money.

We take data protection seriously

Registered with the ICO under reference ZB537016. Your details are handled securely and in line with UK data protection rules. Read our privacy policy.

Original research

Dot Dot Loans in the first half of 2026

First party data from 196,367 real loan enquiries, not surveys or estimates. Read the Borrowing Barometer ›

196,367
loan enquiries received
~1,085
loan enquiries a day
157,876
people used Dot Dot Loans

What to expect when you borrow

Find personal and short term loans from a panel of FCA authorised UK lenders and brokers, all from one short form.

£100 to £5,000
Borrow what you need
3 to 36 months
Flexible repayment terms
One short form
Check options from our panel using one form.
Clear total cost
Shown by the lender before you accept a loan

Borrowing should always be affordable. Take a moment to check the repayments fit your budget before you apply.

Find the loan you're looking for

Jump straight to the amount or type of loan you need. Whichever you choose, we search the same panel of FCA authorised UK lenders and brokers for a potential match, with one short form and a soft search that does not affect your credit score.

Browse by amount
Browse by type
Same day loans› Instalment loans› Emergency loans› Long term loans› Bad credit loans› Direct lender loans› No guarantor loans› Loans on benefits› Guarantor loans› Self employed loans› Cash loans› Fast loans›

What affects whether you're accepted

Dot Dot Loans is a credit broker, so the lenders on our panel make the final decision and being matched is not a guarantee of approval. A few things tend to make a difference to what they can offer.

Affordability

Lenders weigh your income against your regular outgoings to check the repayments are comfortable for you.

Credit history

Your track record of managing credit matters, though some lenders will consider a less than perfect history.

A stable income

A regular, verifiable income helps lenders see that the repayments are sustainable over the term.

Existing commitments

Current loans, cards and other commitments are taken into account alongside the new repayments.

One search checks our panel for a potential match

Rather than applying to lenders one at a time, a single soft search checks our panel of FCA authorised lenders and brokers at once. That can save you from making separate applications to multiple lenders, without leaving a trail of hard searches on your credit file. Being matched is not a guarantee of approval.

Check my eligibility

Only borrow what you can comfortably repay. If money is tight, free and impartial help is available from MoneyHelper.

Frequently asked questions

Who can apply for a loan through Dot Dot Loans?

To apply you'll typically need to be 18 or over, a UK resident, have a regular income, hold a valid UK bank account and provide active contact details. Lenders on our panel carry out their own affordability checks, and meeting the basic criteria does not guarantee approval.

Do you perform credit checks?

We carry out a soft credit check to see which participating partners you may meet the initial criteria for, which does not affect your credit score and is not visible to other lenders. If you proceed with a lender they will carry out a hard credit check as part of their decision. Dot Dot Loans does not carry out hard credit checks.

How much can I borrow?

Apply to borrow from £100 up to £5,000, with repayment terms from 3 to 36 months. The amount available depends on your circumstances, and lenders on our panel decide what they can offer based on their own affordability checks.

What can a personal loan be used for?

People use personal loans for things like an unexpected bill, a car repair, home costs, or spreading the cost of a larger purchase. Whatever the reason, only borrow what you can comfortably afford to repay and check the total cost before you apply.

Are there any hidden charges or fees?

No. Our service is completely free to use and we never charge you for searching our panel. We may receive a commission from a lender or broker if you enter into a consumer credit agreement following our introduction. Any interest or charges come directly from the lender and are shown in full before you agree.

Will applying affect my credit score?

Checking your eligibility with Dot Dot Loans uses a soft credit search, which does not affect your credit score. If you proceed to make a formal application, the lender will carry out a hard credit check as part of its decision, which is recorded on your file and may temporarily affect your score.

How much does a loan cost?

The cost depends on the amount, the lender's interest rate and the repayment term. Lenders on our panel have rates ranging from 12.9% APR to 1721% APR, and our representative APR is 79.5%. You'll always see the total amount repayable before you decide to proceed.

How long does it take to receive the funds?

If a lender approves your application you could receive the funds the same day, sometimes within minutes or hours, though this is not guaranteed and depends on the lender and your bank. Applications approved late in the day or at weekends may be paid the next working day.

Paul Gillooly
Written and reviewed by Paul Gillooly
Director of Dot Dot Loans · 15 years in UK credit broking · Last reviewed July 2026