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£4000 Loan Bad Credit

Are you looking for a £4000 loan? If you’ve found yourself in what feels like a tight financial spot because of an emergency or unexpected bill, we could help. You could get a £4000 loan over 18, 24, 36, or 48 months from Dot Dot Loans, depending on affordability.

Taking out a loan is a financial commitment that shouldn't be taken lightly, so you must make sure it's the right option for you. Considering a £4000 payday loan? Read on to find out why a 4000-pound loan from a direct lender like Dot Dot Loans might be a better option.

We look at more than just credit history too, so you could even get a £4000 loan with bad credit.

What can a £4000 loan be used for?

Everyone will have their own reasons for borrowing £4000. Perhaps you have discovered an unexpected expense which needs paying urgently, such as a household bill or the costs of emergency repairs to your home or car. A £4000 personal loan from Dot Dot Loans could help with these.

Whatever you need the money for, it's important 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 inform you of 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.

We’re a bad credit £4000 loan direct lender too, not a broker, so you’ll always know who you’re dealing with.

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 repayment period of either 18, 24, 36 or 48 months. Check out our loan calculator to see what your monthly repayments would be.

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.

How to get a £4000 loan with bad credit

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. That means you won’t be automatically ruled out.

Please note that everybody’s credit file is different, therefore we can’t guarantee that you could borrow £4000 with bad credit. If you have significantly poor credit, you may not pass the affordability checks.

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

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. We’ll try to look at your situation as a whole, so you could still get a £4000 personal loan with bad credit.

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 every hour 24/7.
  • 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 and follow strict 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 Services Team that is on hand to help you with any questions you have.

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 £4000 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 £4000 loan options

Paying back over 18 months 24 months 36 months 48 months
APR 99.4% 99.4% 79.6% 59.7%
Credit charge £2650.28 £3640.16 £4751.24 £5069.12
Monthly repayments £369.46 £318.34 £243.09 £188.94
Total to pay £6650.28 £7640.16 £8751.24 £9069.12
Paying back over APR Credit charge Monthly repayments Total to pay
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Apply for a £4000 personal loan today

Applying online is simple - most people get an instant initial decision. To apply for a £4000 loan with bad credit and 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.

Please note that our £4000 loans may not be right for everyone, so it is important to carefully consider your circumstances before borrowing.

If you are happy to continue with your application, select the 'apply now' button. Fill in your details and submit your application. Remember we look beyond credit history, so you could still apply for a £4000 loan with poor credit. 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.

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Borrow £4000 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

Not available

Representative 79.4% APR


Short-term loans: 824.7% APR Representative