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£4000 loan from Dot Dot Loans

Are you looking for a £4000 loan? Whether you're planning for the future or found yourself in a tight financial spot because of an unexpected bill, we could help. Even if you have a bad credit history you could still get a £4000 loan over 4 years from Dot Dot Loans.

Taking out a loan is a financial commitment that shouldn't be taken lightly, you must make sure it's the right option for you. You may be considering a £4000 payday loan, however read on to find out why taking out a 4000 pound loan from Dot Dot Loans might be a better option.

What can a £4000 loan be used for?

Everyone will have their own reasons for borrowing £4000. Perhaps you've been planning some home improvements like revamping your bathroom, buying a more reliable car or need a little extra to help pay for the wedding of your dreams. A £4000 personal loan from Dot Dot Loans could be just what you need to help make these a reality.

The money could also be used to pay for any unexpected costs. You might have been hit with several big expenses at once leaving you in a tight spot. Think of a broken-down boiler and expensive vet bills landing at the same time, £4000 could go a long way to helping pay for them.

Whatever you need the money for, it's important that you're borrowing for the right reasons. During your application we'll ask your reason for borrowing so we can get a better idea of your application.

How do £4000 loans from Dot Dot Loans work

You can apply via our online application form, and 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 loan the next working day.

Repayment amounts, and dates will be detailed during the application process, so you can see the total cost of your loan before you commit.

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

How much do I have to pay back each month for my £4000 loan?

When you take out a £4000 personal loan, it's available over a 48 month repayment period. Check out our loan calculator to see what your monthly repayments would be.

I'd like to borrow £4000
and pay back over
  • Monthly repayment £198.68
  • Credit charge £323.91
  • Total to pay £4768.25*
  • 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.

Long term loan

Representative Example

Borrow £2500 over 24 months with monthly repayment of £198.68. Total amount payable £4768.25. Interest rate 71.1% p.a. (fixed). 99.9% APR Representative.

Credit checks on a £4000 loan

As a responsible lender we run a credit check on every application - this is so we can get some more information about your financial situation.

Our initial credit check will be a 'soft' one, this means if your application isn't successful it won't leave a mark on your credit file for other lenders to see. We'll only carry out a 'hard' search if we initially approve you for a loan and you accept our loan offer. A 'hard' search will be visible on your credit file for lenders to see.

Can I borrow £4000 with a bad credit history

You don't need a perfect credit history to borrow £4000. As part of our affordability check we will look at your income and outgoings, to help see if you'll be able to afford the repayments on top of any other expenses.

We look beyond your credit score, as we know if can be tough to find credit if you have a poor, or less than perfect credit score. So yes, it may be possible to borrow £4000 with bad credit.

Am I eligible for a £4000 loan

Like all lenders, Dot Dot Loans has its own lending criteria. To be eligible for a long-term £4000 loan you need to be:

  • Over 21
  • A UK resident
  • In employment

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.

Why choose Dot Dot Loans

We like to make borrowing money online simple. Our 4000 pound loans are unsecured, so you don't have to secure the money against anything you own. You also don't need a guarantor to co-sign for the loan alongside you.

Here are just some of the reasons to consider a £4000 personal loan from us:

  • We're quick: All approved loans are funded on the hour every hour between 9am and 10pm. If you're approved after 10pm you will receive your money at 9am the next day.
  • We're transparent: All interest and charges are shown upfront, and your loan will never cost more than this. Plus, we never charge late payment fees or extra interest.
  • We're a responsible lender: We're regulated by the Financial Conduct Authority (FCA) and follow their guidelines to provide loans fairly and responsibly.
  • We're rated 'excellent': Our rating on Trustpilot, the independent review website, is 'excellent'. This is a rating from our customers who've used our service before.
  • We're friendly: We have a UK-based customer service team that is on hand to help you with any questions you have.

Apply for a £4000 personal loan today

Applying online is quick and simple - most people get an instant initial decision. To apply for a £4000 loan with no guarantor from Dot Dot Loans, first you will need to use our long-term loan calculator. You'll be able to see a full breakdown of your loan including all the fees and charges. Just remember the costs you see here will never increase.

If you are happy to continue with your application, select the 'Apply now' button. Fill in your details and submit your application. Within minutes you should find out if your application has been initially approved. We'll then let you know the next steps if it has.

We want you to feel confident that applying for a 4000 pound loan from Dot Dot Loans is the right option. So if you have any questions head to our FAQs or get in touch with our friendly Customer Services Team and they will be happy to help.

Apply now

Short term loan

Representative Example

Borrow £300 over 6 months with monthly repayment of £92.97. Total amount payable £557.82. Interest rate 237% p.a. (fixed). 757.7% APR Representative.

Long term loan

Representative Example

Borrow £2500 over 24 months with monthly repayment of £198.68. Total amount payable £4768.25. Interest rate 71.1% p.a. (fixed). 99.9% APR Representative.

Loans from £200 to £1000

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Representative 757.7% APR

Loans from £1500 to £4000

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Representative 99.9% APR

Short-term loans: 757.7% APR Representative Long-term loans: 99.9% APR Representative