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24 Month Loans

Life has a way of catching us unaware. Washing machines break down, car engines start playing up – when this happens a 2 year loan from Dot Dot Loans might be able to help. We offer loans between £1,500 and £5,000, which can be repaid over two years.

How do 24 month loans work?

To get started, check out our loan calculator. You'll be able to see a clear breakdown of the costs and repayment amounts for the loan you choose.

If you're happy with this, then fill out our online application form. 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 a 2 year loan the same or next working day.

If you need help or have a question at any point, a member of the Customer Services Team will be more than happy to help via email, or over the phone.

Credit checks on a 24 month loan

Responsible lending is important to us. We run credit and affordability checks for every application to ensure the repayments are affordable for you.

Our initial credit search will be a 'soft' one, which won't leave a footprint on your credit file. If we make you a loan offer and you accept it, then we'll run a 'hard' credit search, which is visible to other lenders and organisations on your credit file.

When running these checks, we look at your income and outgoings. We consider various factors when completing our checks, so there's no need to worry if you have a less than perfect credit history.

If you have any queries or concerns, don't hesitate to get in touch. We're more than happy to help answer any questions.

Take a look at our loan calculator to find out more about our 24 month loans.

24 month loan FAQs

Question Answer

Are there any fees with a 24 month loan?

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

Who can apply for a 2 year loan?

Anyone over 21, who is a UK resident and in employment can apply for a 2 year 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

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Representative 79.4% APR


Short-term loans: 824.7% APR Representative