Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk Compare our loans at AllTheLenders.org.uk

Coronavirus (COVID-19) Update - please click here.

£400 loan from Dot Dot Loans

Broken down boiler? Car repairs? Unexpected bills happen at the worst time and it can be tricky trying to find a large sum of money at short notice; a £400 short-term loan from Dot Dot Loans could help you out though.

Borrow £400 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.

I'd like to borrow £400
and pay back over
  • Monthly repayment £120.65
  • Credit charge £323.91
  • Total to pay £723.92*
  • APR 768.40%
Apply now

*Calculation is for illustrative purposes only. Actual cost and repayment will vary based on your loan start date and pay date.

Short term loan

Representative Example

Borrow £300 over 6 months with monthly repayment of £97.50. Total amount payable £585. Interest rate 259.15% p.a. (fixed). 925.4% APR Representative.

Am I eligible for a £400 loan?

According to the Consumer Finance Association, over half a million people were denied credit in 2017 when new regulations were released. We want to make sure that our £400 loans are accessible to you when you need it most. That's why, as a responsible lender, we set out the criteria so you can easily see if you're eligible. The criteria for this type of short-term loan is:

  • 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 have a job
  • You can give us your bank and debit card details

We'll also look at your credit history and finances before making our decision.

How do our £400 loans work?

You can apply for a £400 loan using our easy online application form. When you apply you will need a valid email address, mobile number, home address information for the last 3 years and your bank account and debit card details.

Our £400 loans come with a 6 month repayment period, to get started with your application click here.

Can I get a £400 loan today?

Approved loans are funded every hour 24/7.

Credit checks for a £400 loan

At Dot Dot Loans, we take our duty as a responsible lender seriously, which is why we carry out credit and affordability checks on every applicant.

We will 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 and organisations. If we approve your application and you accept our loan offer, we will then carry out a 'hard' search, which will appear on your credit file.

From start to finish we will be open and honest with you about all the charges and the interest rate on your loan. You will see a clear breakdown of all the costs, and as we never charge for late payments the total cost will never change.

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

400 pound loans FAQs

Question Answer

What repayment periods are available with a £400 loan?

Customers can borrow £400 over 3,6 or 9 months. Our short-term loan calculator allows you to apply for a loan over different periods of time to give you flexibility on your repayment amount and giving you a repayment option that you are most comfortable with.

Can I get a £400 loan with a bad credit history?

You don't need a perfect credit history to be approved for a £400 loan. As part of our decision process we conduct credit and affordability checks to make sure the loan is right for you. You can find out about our loans for bad credit here.

Loans from £200 to £1000

Apply now

Representative 925.4% APR

Loans from £1500 to £4000

Apply now

Representative 99.9% APR

Short-term loans: 925.4% APR Representative Long-term loans: 99.9% APR Representative