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18 month loans from Dot Dot Loans

If you need some extra cash, an 18 month loan from Dot Dot Loans might be able to help. We offer 18 month loans between £1,500 and £5,000 – so there's an option available whether you're after a loan to cover car repairs or to pay unexpected bills.

With an 18 month loan you will make your agreed repayments each month via direct debit, so it's simple and straightforward for you to manage.

How do 18 month loans work?

Using our handy loan calculator, you can see the full cost of your loan over 18 months, helping you to make an informed decision.

Apply online and If you've been initially approved, one of our agents will be in touch to discuss the next steps. We aim to provide a final decision on if you've been accepted for an 18 month loan the next working day.

We like to keep things simple, so with Dot Dot Loans, there are no hidden costs. We don't charge application or late payment fees and you won't pay a penny more than you initially agree to.

If you've got any questions, our team is ready to help you. Contact our Customer Services Team via email, or over the phone and they will be more than happy to help.

Credit checks on an 18 month loan

We take our responsibilities as a lender seriously. For every loan application, we run credit and affordability checks.

We will firstly carry out what's known as a 'soft' credit search to give you an initial decision on your application as this type of search doesn't leave a mark on your credit file for other lenders and organisations to see. If we make you a loan offer and you accept it, we will run a 'hard' search. This will be seen by other lenders on your credit file.

We run these checks to make sure our loans are suitable for you. We don't need you to have a perfect credit history or be a homeowner, but we look at your income and outgoings to check that repayments shouldn't cause you any problems.

Transparency is important, so we aim to be clear and direct with our customers. If you have any questions at all, please just ask.

Take a look at our loan calculator to find out more about our 18 month loans

18 month loan FAQs

Question Answer

Are there any fees with an 18 month loan?

We don't charge any application or missed payments fees. We keep things simple at Dot Dot Loans.

Who can apply for an 18 month loan?

Anyone over 21, who is a UK resident and in employment can apply for an 18 month loan, subject to credit and affordability checks.

What is the interest rate on a Dot Dot loan?

Our interest rates are fixed, however they depend on your chosen loan term, for more information please use our loan calculator.
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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