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
  • Quick online decision*

Representative Example

£300 loan repayable over 6 months at £93.58 per month, Rate of interest 237.25% p.a. fixed; Representative 754.5% APR, Total Amount Payable is £561.46

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 £93.58 per month, Rate of interest 237.25% p.a. fixed; Representative 754.5% APR, Total Amount Payable is £561.46

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.

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 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, 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? Loans are funded three times a day on Monday to Friday. If you've applied after 3.30pm, your loan will be funded at the first funding time on the next business day.
If you apply before 9:30am, your loan will be transferred before 11:30am. If you apply before 12pm, your loan will be transferred before 2pm. If you apply before 3:30pm, your loan will be transferred before 5:30pm.

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

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