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48 Month Loans

Whether it's for an appliance replacement, vehicle repair, or an unexpected bill – if you have some unexpected expenses, a 4 year loan from Dot Dot Loans could help, subject to affordability.

With our 4 year loans you could borrow between £2,500 and £5,000. Our loans are designed to be simple and clear - you will make your agreed repayments each month via direct debit.

How do 48 month loans work?

To apply for a 48 month loan, start off by completing our online application form. If you've been initially approved, one of our agents will be in touch to discuss the next steps. We aim to provide a final decision on your loan application the next working day.

At Dot Dot Loans, we don't believe in unnecessary fees and charges. We don't charge application or late payment fees and when you apply for our 4 year loan, you'll see a clear breakdown of everything you'll repay.

If you need help or have a question at any point, just get in touch with our Customer Services Team via email, or over the phone.

Credit checks for a 48 month loan

Every loan application goes through credit and affordability checks - we take responsible lending seriously.

Our initial credit check will be a 'soft' one, this means it won't leave a mark on your credit file for other lenders to see. We will only carry out a 'hard' search, which does leave a mark on your credit file, if we initially make you a loan offer and you accept it.

You don't need to have a perfect credit history to apply, our affordability checks work by looking at your income and outgoings, to work out whether the repayments are affordable.

Take a look at our loan calculator to find out more about our 48 month loans.

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.

48 month loan FAQs

Question Answer

Are there any fees with a 48 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 4 year loan?

Anyone over 21, who is a UK resident and in employment can apply for a 4 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

Apply now

Representative 79.4% APR

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