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18 month loans from Dot Dot Loans

If you have some unexpected expenses, 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 subject to affordability.

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.

Long term loan

Representative Example

Borrow £2000 over 36 months with monthly repayment of £123.54. Total amount payable £4447.44. Interest rate 60.03% p.a. (fixed). 79.4% APR Representative.

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.

How soon will I receive my funds?

Once your application has been approved, you could receive your loan the same day. This is because approved loans are funded every hour 24/7.

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.

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Borrow £1500 to £5000 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

Loans from £100 to £1000

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Representative 824.7% APR

Loans from £1500 to £5000

Apply now

Representative 79.4% APR

Short-term loans: 824.7% APR Representative Long-term loans: 79.4% APR Representative