Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Online loans from £200 to £1250

  • Only ever pay back the amount agreed upfront
  • No penalty fees or extra interest – we try to be flexible
  • Speedy decision and loan transfer within one hour*

Representative Example

£300 loan repayable over 6 months at £94.50 per month, Rate of interest 89% fixed; Representative 976.5% APR, Total Amount Payable is £567

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Loan glossary

Representative Example

£300 loan repayable over 6 months at £94.50 per month, Rate of interest 89% fixed; Representative 976.5% APR, Total Amount Payable is £567

12 month loans from Dot Dot

Our 12 month loans are available for existing Dot Dot customers, and allow you to borrow between £500 and £1250. They could be just what you need when you could do with a little bit longer to repay your loan, or require a larger loan amount.

At Dot Dot, we know that life sometimes throws up surprises, and our 12 month loans are designed to help you get things back on track. Whether one of your appliances needs to be replaced, or your car needs emergency repairs, you can borrow just what you need and pay back the money over a full year.

How Do 12 Month Loans Work?

Applying online for a Dot Dot loan is simple and straightforward. Using our loan calculator you can choose our 12 month loan option if you've borrowed from us before, once you've selected the loan amount you'd like to apply for.

The exact cost of your loan will be worked out when you apply and you'll see everything clearly upfront, including the amount you'll pay back each month, and this will never change for the time you have the loan.

There are no late fees or hidden payments either, so you'll know the exact cost of your 12 month loan from the start – we like to keep things clear. You can repay early or make a one-off payment without paying a penny extra.

We also know just how important it is for you to get the funds you need quickly. Not only is our online form speedy to use - you'll get an initial decision on your application in minutes. If you're approved before 16:30, you could also have the money in your account within just one hour*.

If you need any help when applying, a member of the team will be more than happy to give you a hand through LiveChat, via email, or over the phone. Once your loan has been agreed, you can manage your account online, whether you'd like to make a payment, view your account history, or see your payment profile.

Responsible Lending

As a responsible lender, we carry out credit and affordability checks on both new and existing customers when they make an application. We're here to help - not get you into any difficulties.

These checks help us understand if one of our 12 month loans is right for you. You don't have to have a perfect credit history, and you don't need to be a homeowner, but we do check to make sure you can manage your loan repayments. We'll look at your income and outgoings to make sure the loan is right for you.

Transparency is really important to us. We try to make things as clear and simple as we can. We're here to help through every step, and all fees are shown upfront, so you know exactly how much your loan will cost.

12 month loans FAQs

Question Answer
Are there any fees with a 12 month loan? We don't charge fees for missed payments or early repayment, we keep things simple at Dot Dot.
Who can apply for a 12 month loan? 12 month loans are only open to existing customers, with loans from £500 to £1250 available.
What is the interest rate? Our interest rates are fixed, however they depend on your chosen loan term, for more information please use our loan calculator.
How soon will I receive my funds? We will aim to have the funds in your account within one hour, if your loan is approved between 8.30 and 16.30*.

Take a look at our loan calculator to find out more about our 12 month loans.

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