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12 month loan alternatives from Dot Dot Loans

We've changed the repayment periods on our online loans and no longer offer a 12-month loan option. If you're looking for this, don't fret! We do have a wide range of alternative options. Our short-term loans have repayment terms of 3, 6 or 9 months, and our long-term loans have repayment terms of 18, 24, 36 and 48 months. The terms available depend on how much you want to borrow.

We know life sometimes throws up surprises, and our loans without a guarantor are designed to help you get things back on track. We look at more than just your credit score too, so if you’re looking for a 12-month loan with bad credit, we could offer you an alternative.

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 the fixed repayment term.

How do our online loans work?

Applying online for a Dot Dot loan is simple and straightforward. You can view our alternative options to a 12-month loan for bad credit with no guarantor using our loan calculator.

The exact cost of each loan will be worked out when you apply and you'll see everything clearly upfront, including the amount you'll pay back each month. You'll never pay more than what you see.

There are no late fees or hidden payments either, so you'll know the exact cost of your 1 year loan alternative 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, but you'll also get an initial decision on your application in minutes too. We fund approved loans every hour, 24 hours a day, 7 days a week.

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 view your balance, view your account history or see your payment profile.

Credit checks for a 12-month loan alternative

As a responsible lender, we carry out credit and affordability checks on both new and existing customers when they make an application. That doesn’t mean you can’t get an alternative to a 12-month cash loan with bad credit.

These checks help us understand if the loan is right for you. You don't need 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 help make sure the loan is right for you.

Our initial credit search will be a 'soft' one, this means it will be visible to you but not other lenders and organisations. We will only carry out a 'hard search', which will appear on your credit file, if we make a loan offer to you and you accept it.

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 Dot Dot loan?

We don't charge fees for missed payments unlike some 12-month loan for bad credit direct lenders. We keep things simple.

Can I get a 12-month loan with bad credit?

Looking for a 12-month loan for bad credit with no guarantor direct lender? You don't need a perfect credit history or guarantor to apply, but we no longer offer a 12-month loan.

Our loans range from 3 to 48 months and we take various criteria into account when considering an application to make a responsible lending decision.

What is the interest rate on a Dot Dot loan?

Our interest rates are fixed up front, however they depend on your chosen loan term.

How soon will I receive my funds?

We fund approved loans every hour, 24 hours a day, 7 days a week.

I am an existing customer; how do I apply for another loan?

You can apply for an additional loan once you have repaid your previous Dot Dot Loan. You can do this via the Dot Dot Loan Online Portal, simply login and apply for a short term or long term loan between £100 to £5,000.

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

You can compare our full range of short-term and long-term loans here. Remember, we look at more than just credit scores when reviewing applications, so you could get an alternative to a 12-month loan for bad credit in the UK.


Short-term loans: 1228.67% APR Representative