Quick Loans from £100 to £5,000 online

To qualify for a payday loan in the UK, you’ll typically need to meet the following criteria:

Be aged 18 or over
Be a UK resident
Have a regular source of income (from employment or benefits)
Hold a valid UK bank account for receiving funds and repayments
Provide active contact details, including a mobile number and email address

Payday loans are often available to people with poor or limited credit histories, but lenders will always carry out affordability checks before approval.

You may be declined if you cannot provide proof of income, have significant outstanding debts, or do not meet the lender’s eligibility requirements.

Payday loans are designed for short-term financial needs and usually carry higher interest rates than standard personal loans.

Before applying, make sure the repayments are affordable and consider alternatives such as credit union loans or borrowing from family or friends.

Dot Dot Loans will carry out a soft credit check to assess your eligibility.

We’ll first carry out a soft credit check. That won’t affect your credit score as it simply helps us match you with lenders who may be suitable for you.

If you go ahead and apply for the loan, your chosen lender will then perform a hard credit check as part of their approval process. Dot Dot Loans does not carry out hard credit checks. These are only performed by lenders if you proceed.

This hard check will be recorded on your credit file and could have an impact on your credit score.

We believe in being upfront so you’ll always know what’s coming before you move forward.

With Dot Dot Loans you could apply to borrow from £100 up to £5,000, giving you flexibility to meet your financial needs.

The amount you can borrow depends on your personal circumstances such as your income, outgoings and credit history. Repayment terms are available from 3 to 36 months so you can choose a schedule that works for your budget.

Smaller loan amounts may come with shorter repayment periods, while larger loans can often be spread over longer terms to help make monthly repayments more manageable.

We partner with a panel of established UK lenders who assess your details and present the loan amounts and repayment options you’re most likely to be eligible for.

Before taking out any loan, it’s essential to make sure the repayments are affordable within your monthly budget. We promote responsible borrowing and provide clear, straightforward information so you can make an informed and confident decision.

Yes. Some lenders on our panel may offer loans for bad credit and consider your application even if you have a poor or limited credit history. Short‑term loans may be available to people with poor credit, but they can be expensive. Consider all options before borrowing..

What do lenders look at?
Traditional loans often rely heavily on your credit score. Payday lenders are more likely to focus on whether you can afford to repay. They may look at your income, outgoings and employment status.

What should I be aware of?
If you have a bad credit score you may be offered higher interest rates or stricter terms because lenders see these loans as higher risk. Always make sure the loan is affordable before committing.

Do I pay a fee to use Dot Dot Loans?
No. Our service is completely free to use. We don’t charge you anything for searching our panel. Instead, we may receive a commission from the lender if you decide to go ahead with a loan.

What about the lender’s fees?
Any costs associated with the loan will come directly from the lender. This may include interest, as well as fees if you miss a repayment.

Will I know the costs upfront?
Yes. The lender will clearly set out the total cost, repayment amounts, and any potential charges in your loan agreement before you commit. Always read the terms carefully so you fully understand what you’re agreeing to.

Borrow responsibly
We’re here to help you make informed choices. Take time to review your loan details and make sure the repayments are affordable for your budget before proceeding.

It depends on the type of credit check carried out.

Soft credit checks
When you use Dot Dot Loans to get a quote we run a soft credit search. This does not affect your credit score and only you can see it on your credit file.

Hard credit checks
If you go ahead and accept a loan offer the lender will carry out a hard credit check. This is recorded on your credit file and may cause your score to dip temporarily. Other lenders can see this search. Dot Dot Loans does not carry out hard credit checks. These are only performed by lenders if you proceed.

Repaying on time
Making repayments on time helps you avoid extra charges and negative marks on your credit record.

The cost of a payday loan depends on the amount you need, the interest rate of the lender you borrow from, and how long you need the money for. Payday loans are typically short term, so interest is generally charged daily rather than monthly (with a 0.8% cap per day).

Lenders on our panel have interest rates ranging from 48.1% APR to 1721% APR. Our representative APR is 79.5%. This means 51% or more of people who successfully find a loan with Dot Dot Loans get a loan with an APR of 79.5%.

At Dot Dot Loans, we show you a clear breakdown of all costs upfront before you decide to go ahead. There are no hidden fees with us, and you’ll always know the total amount repayable in advance of being able to proceed with your application.

Payday loan interest is capped by the Financial Conduct Authority (FCA). This means:

• You will never pay more than 0.8% interest per day

• Total repayment (including interest and fees) is capped at 100% of the loan

• A maximum default fee of £15 can be charged if you miss a payment

You should always check the representative APR and ensure you can afford to repay the loan before applying. If you’re not sure, consider speaking to a regulated debt advice service before borrowing.

We aim to make the process as simple and fast as possible.

Same-day transfers
If your application is approved by a lender you could receive the money the same day. In many cases funds arrive within minutes or a few hours, although this is not guaranteed. Same-day funding is not guaranteed and depends on the lender and your bank.

What affects the timing?
The exact speed depends on the lender’s processes and your bank’s policies. Applications approved late in the day or over a weekend may be paid the next working day.

Tips for faster processing
To avoid delays, make sure the information you provide is accurate and complete. This could help lenders verify your details quickly.

Dot Dot Loans are based in the United Kingdom and offer a 24/7 online service nationwide. You can apply for a loan on our website from anywhere in the UK at any time.