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36 Month Loans

Dot Dot's simple and straightforward 36 month loan could help you to cover costs such as surprise bills and repairs. We offer loans between £2,000 and £5,000, which can be repaid over three years.

A full repayment plan is agreed upfront; you'll never be expected to pay anything more than agreed as we do not charge application or late payment fees.

How do 36 month loans work?

To get started use our loan calculator to work out the amount you want to borrow, and how much it'll cost you each month.

Once you've decided the amount you want to borrow, complete our online application form. If you've been initially approved for a 3 year loan one of our agents will be in touch to discuss the next steps. We aim to provide a final decision on your loan the same or next working day.

Credit checks on a 36 month loan

Dot Dot Loans takes responsible lending seriously. For every loan application, we conduct credit and affordability checks to try and ensure applicants can comfortably repay their loan.

We will initially carry out a 'soft' credit search, so we can get a rough idea of your financial history, this won't leave a mark on your credit file and isn't visible to other lenders and organisations. A 'hard' search will only be carried out if we make you a loan offer and you accept it, this kind of search will be visible to other lenders.

We want you to be fully comfortable with the terms and repayments of your 3 year loan before proceeding. If you've got any concerns 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.

Take a look at our loan calculator to find out more about our 36 month loans.

36 month loan FAQs

Question Answer

Are there any fees with a 36 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 3 year loan?

Anyone over 21, who is a UK resident and in employment can apply for a 3 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