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£200 Loans For Bad Credit

No matter how well you plan, there are times when you suddenly find yourself needing a little bit of extra money. A Dot Dot loan could be what you need to help deal with an emergency. Our short-term £200 loans are clear from the start with no hidden costs or extra charges.

We look at more than just your credit score too, so you could get a 200 pound loan with bad credit, subject to affordability.

Borrow £200 from Dot Dot Loans

Use our loan calculator to work out how much you will need to pay back each month and the interest rate for the amount you want to borrow.

Short term loan

Representative Example

Borrow £250 over 6 months with monthly repayment of £81.41. Total amount payable £488.46. Interest rate 248.19% p.a. (fixed). 824.7% APR Representative.

Am I eligible for a £200 loan?

We want to make sure our £200 loans are accessible to you when you need them most. We’ve set out our criteria below so you can easily see if you're eligible. You can apply for this loan amount if:

  • You're aged 18 or over
  • You live in the UK and can give us an address
  • You can provide us with a phone number and email address
  • You can give us your bank and debit card details

As a responsible lender, we'll also look at your credit history and finances before making our decision.

Can I get a £200 loan with a bad credit history?

Here at Dot Dot Loans, we carefully consider all applicants and handle them on a case-by-case basis. Rest assured you don't need a perfect credit score to apply, and we can offer £200 short-term loans for bad credit in some circumstances.

However, we will complete finance and affordability checks before deciding on your loan. This is to help ensure it's suitable and affordable for you.

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

What is the best £200 loan for me?

If you’re looking for the best UK loan option for you, below we have a breakdown of monthly payment options depending on your repayment period.

We do consider applications with a less-than-perfect credit score. If you are looking for a £200 loan with bad credit in the UK, we could help, subject to affordability.

If you can see an option below that looks good for you, great! You can apply using the button below. Got any more questions? Feel free to contact us.

Compare your £200 loan options

Paying back over 3 months 6 months
APR 1188.8% 1147.9%
Credit charge £100.30 £191.68
Monthly repayments £100.10 £65.28
Total to pay £300.30 £391.68
Paying back over APR Credit charge Monthly repayments Total to pay
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200 pound loans FAQs

Question Answer

What repayment periods are available with a £200 loan?

You can borrow £200 over 3 or 6 months. Our short-term loan calculator allows you to compare different loan periods and find the repayment option that you’re most comfortable with.

Are you a £200 loan for bad credit direct lender?

Yes! We’re a direct lender, so you’ll always know who you’re dealing with, and you could get approved for a quick £200 loan with bad credit, subject to affordability.

As part of our decision process, we carry out credit and affordability checks to make sure the loan is right for you. Find out about our loans for bad credit.

I am an existing customer. How do I apply for another loan?

As an existing customer with an active loan, you may be eligible to take out a new loan with us once you’ve repaid your existing one. This is not a guarantee, however, and how much you may be able to borrow as an existing customer depends on your circumstances.

If you’ve settled your existing loan, you can apply via the Dot Dot online portal. Simply log in and select the 'New Loan' tab, then click apply now to start your application. Some of your details will already be pre-populated, so please check they’re correct before continuing with your application.

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

Can I apply for a loan while on benefits?

Yes. For our short-term loan products, we accept applicants who use benefits as their primary source of income, subject to affordability checks. You can read more about applying for a loan on benefits on our blog.

Do I need a guarantor?

No. We offer £200 loans for bad credit with no guarantor, making it even easier to get the money you need in an emergency, subject to affordability.

Borrow £200 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

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Representative 79.4% APR

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