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.

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.

Apply now