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£100 Loans for Bad Credit

Has a minor emergency or unexpected cost left you short of money? If so, a quick £100 loan from a direct lender like Dot Dot Loans could help you out of a tricky situation.

You can apply online in minutes with no guarantor or security and get a decision soon after. If it's a yes, you could have the money in your account on the same day. We can even offer £100 loans for bad credit as we look at more than just your credit score.

Read everything you need to know about getting a 100-pound loan below.

Can I get a £100 loan today?

Emergencies happen to all of us from time to time. You might not be able to wait for your next payday to cover the cost, while applying for a loan with a bank can be tricky and time consuming. Thankfully there are ways you can get a £100 loan quickly when you need it.

Alternative lenders like Dot Dot Loans offer a short online application process, quick decisions and speedy same day payouts to help you get things back on track.

Can I still get a £100 loan with bad credit?

You might think that having a bad credit history will stop you getting approved for a loan. Or perhaps you've been turned down because of bad credit in the past? Whatever your situation, don't give up hope. Turning to a £100 loan direct lender for bad credit could be the answer.

We're a responsible lender, so we still carry out credit and affordability checks to make sure our loans are manageable. We look at other factors like your income and outgoings too, so a bad credit score won't automatically rule you out.

What can a quick £100 loan be used for?

Quick loans of smaller amounts are usually designed to cover urgent costs that can't wait. You might not have savings you can dip into. Maybe multiple costs have come around at once and left you just short. Either way, you could borrow 100 pounds for:

  • Car repairs, services and MOTs
  • Repairs or replacements around the home – boilers or appliances, for example
  • Surprise medical or vet bills
  • Any other unexpected but necessary costs

You might need extra money to pay for all or part of any of these examples. Whatever your situation, getting a £100 personal loan could make your life a little easier.

Can I borrow more than £100 if I need it?

A 100-pound loan may not be enough to cover certain situations. We offer loans in a range of amounts between £100 and £5,000 to help you cover larger costs when you need to. All our loans come with the same easy application process and quick payout if we say yes.

The only major difference is the repayment term, which changes depending on how much you want to borrow. Choose your ideal loan amount to see how long you could spread the cost over.

What are the different types of 100-pound loan?

When you're looking to borrow 100 pounds in a hurry, the main loan types you're likely to come across are payday loans and short-term loans. Both typically involve getting money upfront to use for emergencies, but there are some key differences too.

You'll usually be expected to repay a payday loan in full as soon as you next get paid. These loans often come with steep interest rates and tough penalties if you can't afford the full repayment, so they can make your situation worse if you're not careful.

Getting a £100 short-term loan could be more manageable. This way you'll spread the cost of the repayment in lower monthly instalments. They can be just as quick and easy to get, so there's no need to hang around.

How does a £100 personal loan work with Dot Dot?

We aim to make life easier when you need a little extra money to tackle a tricky situation. You don't need to find a guarantor to back you up, and we won't ask for any assets or valuables as security. You can apply online in minutes from the comfort of your home or on the go.

We offer a fixed repayment term of three months on our £100 loans and never charge late payment fees. Use our loan calculator to see what your loan could cost each month and overall.

Short term loan

Representative Example

Borrow £250 over 6 months with monthly repayment of £81.41. Total amount payable £488.46. Interest rate 248.19% p.a. (fixed). 824.7% APR Representative.

Happy with how it looks? Select 'Apply now' to move to our short application form. Once you submit it, we'll carry out credit and affordability checks, then give you a decision.

If we say yes and you're happy to go ahead, we'll send you the 100-pound loan upfront and collect repayments automatically through direct debit. It's that simple!

Am I eligible to borrow 100 pounds?

You can apply for a £100 UK loan with Dot Dot if:

  • You're aged 18 or over
  • You have a UK address
  • You've got a valid email address and mobile phone number
  • You can give us bank account and debit card details

Once you pass these initial checks, we'll look at things like your credit score and income to make sure you can afford the repayments. Remember a less-than-perfect credit score isn't the end – you could still get approved for a 100-pound loan with bad credit.

Why choose Dot Dot as your 100-pound loan direct lender?

No matter how much you need to borrow or how quickly, it's important to choose a lender you can trust. We're a UK £100 loan direct lender, not a broker, so you'll always know who you're dealing with. Here are five more great reasons to choose us:

  • Quick and easy: Apply online in minutes and get a quick decision. If it's a yes, we could transfer your £100 loan on the same day
  • Flexible: Choose repayment terms from 3-9 months to suit you. We look at more than just your credit score when you apply too
  • Honest: Agree your loan cost upfront and never pay any extra. We don't charge late payment fees or other hidden penalties
  • Friendly: Speak to our UK-based customer service team if you need advice. We're easy to talk to and happy to help
  • Recommended: Don't just take our word for it. We're rated 'excellent' by people like you on the independent review website Trustpilot

What is the best £100 loan for me?

If you’re looking for the best UK loan option for you, below we have a breakdown of monthly payment options depending on your repayment period.

We do consider applications with a less than perfect credit score. If you are looking for the best loan for bad credit for you, we could help, subject to affordability.

If you can see an option below that looks good for you, great! You can apply using the button below. Got any more questions? Feel free to contact us.

Compare your £100 loan options

Paying back over 3 months
APR 1177%
Credit charge £50.81
Monthly repayments £50.27
Total to pay £150.81
Paying back over APR Credit charge Monthly repayments Total to pay
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I am an existing customer, how do I apply for another loan?

As an existing customer with an active loan, you may be eligible to take out a new loan with us once you’ve repaid your existing one. This is not a guarantee, however, and how much you may be able to borrow as an existing customer depends on your individual circumstances.

If you’ve settled your existing loan, you can apply via the Dot Dot online portal. Simply log in and select the 'New Loan' tab and then click apply now to start your application. Some of your details will already be pre-populated, please check they’re correct before continuing with your application.

Always consider the cost of further borrowing, whether it is affordable (particularly if your circumstances change), and whether you will be able to maintain other debt repayments.

Can I apply for a loan whilst on benefits?

Yes. For our short-term loan products, we accept applicants who use benefits as their primary source of income, subject to affordability checks. You can read more about applying for a loan on benefits on our blog.

Apply for a quick £100 personal loan in minutes

Do you need a 100-pound loan today? Whether it's an emergency repair or a surprise bill, we might be able to help.

Use our loan calculator to see what yours could cost. From here you can hit 'Apply now' and fill in our short application form. We'll reply as soon as possible to let you know what's next.

Sometimes a loan isn't right for everyone, so it's important that you carefully review your circumstances before applying. Feel free to contact us if you have any questions or queries. You can also check our On The Dot blog page for some helpful hints and tricks for money management.

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Borrow £100 from Dot Dot Loans

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Approved loans are funded every hour 24/7 No hidden fees or costs Less than perfect credit accepted UK based Customer Service Team

Loans from £100 to £1000

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Representative 824.7% APR

Loans from £1500 to £5000

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Representative 79.4% APR

Short-term loans: 824.7% APR Representative Long-term loans: 79.4% APR Representative