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£3000 Loan Bad Credit

£3000 could make a big difference. When your income or savings can't cover the costs of an unexpected bill or a major emergency, you may want to consider a £3000 loan from Dot Dot Loans.

Even if you have a bad credit history, we could still approve your loan application, depending on affordability. Our £3000 payday loan alternative can be repaid over 18, 24, 36 or 48 months and if approved you could have your money the day after you apply.

Read on to find out more about applying for a £3000 loan for bad credit from Dot Dot Loans.

What can a £3000 loan be used for?

Life is full of unexpected expenses, from a broken-down car to a faulty boiler. They can happen to anyone, at any time, leaving you in a tricky financial situation. If your income or savings can't cover the costs, a 3000-pound loan for bad credit from Dot Dot might be able to help you out.

Whatever your reason for needing to borrow 3000 pounds, we're here to help. Turning to a direct lender like us could help with those unexpected costs.

How do £3000 loans from Dot Dot Loans work?

Our loans are straightforward. In just a few minutes you can complete our simple online application and get a quick initial decision.

If you've been initially approved, we'll be in touch to discuss the next steps. We aim to provide a final decision on your 3000-pound loan application on the same or next working day.

Your payment due dates and repayment amounts are all listed clearly before you commit to the loan, and you'll never pay more than expected. We do not charge application fees and there are no hidden costs or charges, like late repayment fees.

How much do I have to pay back each month for my £3000 loan?

When you take out a £3000 personal loan, it's available over an 18, 24, 38 or 48-month repayment period. Check out our loan calculator below to see what your monthly repayments would be.

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.

Credit checks on a £3000 loan

Dot Dot Loans runs affordability and credit checks for each application to try to ensure our loans are affordable.

We'll initially carry out a 'soft' credit search so we can get a rough idea of your financial history. This search is visible to you but not other lenders. If we approve your application and you accept our loan offer, we'll then carry out a 'hard' search, which will appear on your credit file and be visible to other lenders.

At every stage of your loan application, we'll be 100% clear about what we need from you and what you can expect from us. Your £3000 personal loan will never be subject to hidden fees or unexpected charges.

Can I borrow 3000 pounds with bad credit history?

We know it can be difficult trying to get a loan if your credit history is less than perfect. But as a bad credit £3000 loan direct lender, we’ll try to look at your situation as a whole.

Our decision will consider other factors like your affordability, where we'll check your income and outgoings to ensure you can comfortably afford the monthly repayments on your loan. We'll also take into consideration your employment status before making our decision.

So, don't be put off applying for a £3000 loan with a bad credit rating.

Am I eligible for a £3000 loan?

To be eligible for a 3000-pound loan from Dot Dot Loans you need to be:

  • Over 21
  • A UK resident

During the application you will also need:

  • A valid email address and mobile number
  • Home address information for the last 3 years
  • Your bank account and debit card information

We'll also look at your credit history and finances before making our decision. Having a less-than-perfect score won’t automatically rule you out, so you could still get a £3000 loan with poor credit.

Why choose Dot Dot Loans?

If you're looking for financial help, it's important that you come to the right place. At Dot Dot Loans, we aim to make our 3000-pound loans as manageable as possible. Here are some of the other reasons to choose us:

  • We're Approachable: Dot Dot Loans is a direct lender and not a broker, so you'll always know who you're dealing with.
  • We're honest: The cost of your £3000 loan will be agreed upfront with no hidden costs.
  • We're quick: Once your loan has been approved, you could have your money within an hour.
  • We're friendly: If you have any questions regarding a £3000 loan, our UK-based Customer Services Team are always happy to help.

Don't just take our word for it either, we've been rated as 'excellent' by our customers on Trustpilot from over a thousand reviews.

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 individual 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 and then click apply now to start your application. Some of your details will already be pre-populated, 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 whilst on benefits?

Yes, but only for our short-term loan products. For loans between £100 and £1000, 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.

What is the best £3000 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 the best loan for bad credit for you, 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 £3000 loan options

Paying back over 18 months 24 months 36 months 48 months
APR 99.3% 99.4% 79.6% 59.7%
Credit charge £1979.34 £2720.16 £3553.80 £3793.92
Monthly repayments £276.63 £238.34 £182.05 £141.54
Total to pay £4979.34 £5720.16 £6553.80 £6793.92
Paying back over APR Credit charge Monthly repayments Total to pay
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Apply for a £3000 personal loan today

Sometimes applying for a loan can feel overwhelming. However, with Dot Dot Loans you don't need to see someone face to face or go through a complicated application process. It can all be done from the comfort of your own home.

To get started with your application, use our long-term calculator. Here you'll see a full break down of the costs associated with a £3000 loan from Dot Dot Loans. If you're happy with them, select 'apply now' and fill in our simple application form. We'll then let you know the next steps if you've been initially accepted.

Remember we look at more than just credit history, so you can still apply for a quick £3000 loan with bad credit.

If you get stuck or want to ask a quick question, our Customer Services Team will be more than happy to help via email, or over the phone. You can also visit our FAQ's.

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Borrow £3000 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 Long-term loans: 79.4% APR Representative