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

£4000 loan from Dot Dot Loans

Are you looking for a £4000 loan? If you have found yourself in what feels like a tight financial spot because of an 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, 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 a direct lender like 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 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 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.

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 repayment period of either 18, 24, 36, or 48 months. Check out our loan calculator 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 £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

YYou 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.

Please note that everybody’s credit file is different, therefore we can’t guarantee that you could borrow £4000. 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.

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 service team that is on hand to help you with any questions you have.

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 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.

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. 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

Loans from £100 to £1000

Apply now

Representative 824.7% APR

Loans from £1500 to £5000

Apply now

Representative 79.4% APR

Short-term loans: 824.7% APR Representative Long-term loans: 79.4% APR Representative