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£1000 loans

You can't plan for everything. Sometimes something will happen that takes you completely by surprise and leaves you looking for emergency funds.

Whether it's a broken-down home appliance or last-minute car repairs, a £1,000 loan from Dot Dot could help tide you over and cover those unexpected bills.

It can be quick and easy to borrow £1,000 with us. You can apply online and get a decision soon after. The money can be in your account as early as the same day. Read on to find out more about how to get a quick £1,000 personal loan with us.

What can a £1,000 loan be used for?

A short-term £1,000 loan from a direct lender like us is there to help if you need funds immediately. It can be used to cover things like repair costs or out-of-the-blue bills.

It can be used to:

  • pay for repairs in the home, such as fixing the boiler or washing machine
  • cover repairs to your vehicle, as well as MOTs and servicing
  • cover unexpected costs such as insurance renewals

Sometimes a few of these things can happen at once. It can be mid-month; you've paid the bills and you're short on cash. A broken boiler or a replacement fan belt are the last thing you need - and a combination of the two at once can be really unhelpful. But these are emergencies that can't wait. Whatever has happened, a quick £1,000 loan might be an option.

What are the different types of loan?

If you need to borrow a quick £1,000 loan, you'll find that there are usually two options available: short-term loans and payday loans. Before you go ahead and take out the loan, it's worth knowing what each of these offers.

Like short-term loans, payday loans lend you a small amount of cash that you need to pay back in full and can be useful if you're in a tight spot with your finances. Both get you access to money quickly. But, unlike short-term loans, the payday option needs to be settled fast - usually when you're next paid. They also come with high interest rates and fees for late payment, so there's a chance that you can find yourself in more debt if you can't keep up.

A short-term loan can be the better option. While this also lets you access cash quickly to cover unexpected costs, you can manage the repayments over time. Plus, if you choose our short-term £1,000 loan, you won't be charged late payment fees.

To give you added peace of mind, all our loans are unsecured. This means we'll never expect you to offer your home or other assets as a form of security. And we don't ask you to find a guarantor, either.

How do £1,000 loans from Dot Dot work?

Applying online for a £1,000 personal loan with us is simple and straightforward. You can apply in minutes and get a quick initial decision.

Begin by using our short-term loan calculator. This will show you the repayment terms when you get a £1,000 loan with us, along with the total cost. There are no hidden fees or extra charges down the line - we don't believe in late payment fees. Here's what you need to know:

When you take out a £1,000 loan, it's available over a 3, 6 or 9 month repayment period. For example, the monthly repayments during the 9-month period are £205.85

When you use the calculator tool, you will see how this breaks down for each repayment period.

What happens next?

Once you've checked the calculator, you can head to the application form. The exact cost of your loan will be worked out when you apply. You'll see everything clearly upfront, including the amount you'll pay back each month.

We've made it easy to apply for your £1,000 loan online. Simply fill out each section and when you're happy, choose 'continue'.

We'll complete a credit and affordability check, then let you know our initial decision.

If you get the green light, you'll get your £1,000 loan the same day or the day after, depending on when your application is approved. From there, we'll automatically arrange your repayments.

Short term loan

Representative Example

Borrow £250 over 3 months with monthly repayment of £133.65 Total amount payable £400.95. Interest rate 284.76% p.a. (fixed). 1228.67% APR Representative.

I have bad credit. Can I still get a £1,000 loan?

We take our responsibilities as a lender very seriously. This is why we carry out credit and affordability checks to make sure you can afford your chosen loan. So, when you apply for a £1,000 loan - or any loan - with us, you don't necessarily need a perfect credit history, but we will always check that you'll be able to manage your repayments.

We make sure that we look at more than just your credit score, however. We factor in things like your income and outgoings, as well as your employment status. This is because we know that having a poor credit history isn't the full picture.

Am I eligible for a £1,000 loan?

We want to make sure that our £1,000 loans are accessible to you when you need it most. That's why, as a responsible lender, we set out the criteria so you can easily see if you're eligible. The criteria for this type of short-term loan is:

  • You're aged 18 or over
  • You live in the UK and can give us an address
  • You can provide us with a phone number and email address
  • You can give us your bank and debit card details

We'll also look at your credit history and finances before making our decision.

Why choose Dot Dot Loans?

It's important that you choose a lender that you can trust - especially when you're facing unexpected bills that need to be sorted quickly. As we're a direct lender rather than a broker, we make sure everything's clear upfront.

When you need a £1,000 loan quickly, here's why choosing us can be a good decision:

  • Clear process: Transparency is very important, so we always aim to make things clear and easy to understand. All interest and charges are shown upfront, and your loan will never cost more than this. Plus, we never charge late payment fees or extra interest
  • Quickly see the cash: Apply for your £1,000 loan online in minutes and, once approved, you'll see the money in your account by the next day. We make things even faster because you don't need a guarantor
  • Responsible lender: We're regulated by the Financial Conduct Authority (FCA) and follow their guidelines to provide loans fairly and responsibly
  • Rated 'excellent': Our rating on Trustpilot, the independent review website, is 'excellent'. This is a rating from our customers who've used our service before
  • Friendly team: We have a UK-based customer service team that is on hand to help you with any questions you have
  • Pay early: You can pay off your £1000 loan early if you choose

Apply for a £1,000 personal loan today

We're ready to help if you need money quickly. Whether you've got a leak or your car's broken down, we understand how important it is to get the cash together fast to cover the repair costs.

Take a look at our loan calculator to find out more about our short-term loans and how you can access a £1,000 loan from us. Once you're happy with how the loan will work for you, select ‛Apply now' to begin the application process.

If you have any questions, head to our FAQs section or call us on 0333 240 6215.

What is the best £1000 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 £1000 loan options

Paying back over 3 months 6 months 9 months
APR 1176.8% 1183.6% 519.7%
Credit charge £522.65 £983.12 £989.54
Monthly repayments £507.55 £330.52 £221.06
Total to pay £1522.65 £1983.12 £1989.54
Paying back over APR Credit charge Monthly repayments Total to pay
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Question Answer

What repayment periods are available with a £1000 loan?

Customers can borrow £1000 over 3,6 or 9 months. Our short-term loan calculator allows you to apply for a loan over different periods of time to give you flexibility on your repayment amount and giving you a repayment option that you are most comfortable with.

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.
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Borrow £1000 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

Short-term loans: 1228.67% APR Representative