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

Loans from £200 to £1000

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Representative 1255% APR

Loans from £1500 to £4000

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Representative 99.9% APR

Short term loan

Representative Example

Borrow £300 over 3 months with monthly repayment of £153.63. Total amount payable £460.89. Interest rate 292% p.a. (fixed). 1255% 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.

Applying for a loan with a bad credit history

At Dot Dot Loans we understand that a poor credit rating isn’t always the full story. That’s why when you apply for a loan, we don’t just look at your credit score. We consider a range of factors, including your employment status and the affordability of loan repayments. This builds a fairer picture of your financial situation before we make a decision.

How do our loans work?

You can apply to borrow, between £200 and £4000 and make monthly repayments over 3 to 48 months. Our loans have different terms, which are based on the amount you want to borrow.

If your loan is approved before 3.30pm, you could have the money in your account the same day. To get started, click here.

How can I get an unsecured loan with a bad credit history?

As with other kinds of loan, the specific criteria that needs to be met for an application to be accepted varies from lender to lender. At Dot Dot Loans we don’t just consider your credit history before approving you for a loan, we will take your income and outgoings into consideration to help make sure the loan is affordable for you.

Some loan companies would require a guarantor to co-sign with you when you apply, who would be responsible for paying back the loan should you not be able to. Dot Dot Loans don’t currently offer a guarantor loan option.

Who will give loans to people with bad credit?

A variety of lenders offer loans to those with bad credit scores, though these loans are usually offered at a higher interest rate. Most of these can be found online, and some research will give an indication of whether an applicant with a bad credit history will be accepted or not. Dot Dot carefully consider each application.

Can I get a short-term loan with a bad credit history?

Short-term loans are often assessed on more factors than just your credit score. A bad credit score may not necessarily mean that your application is turned down. Each application is examined and considered before a decision is made to lend money.

Will a loan improve my credit score?

Taking out a loan may have a positive impact on your credit score if you make your payments on time. Making a late payment or missing a payment altogether will likely result in a negative effect on your credit score.

Applying for multiple loans at once or having an excessive number of loans will also likely have a negative impact on your credit score as it can appear that you’re reliant on credit.

Can you get a bad credit loan without a bank account?

To get a loan from Dot Dot you need a UK bank account, to be over 18 years old and a UK resident.

Is there a bad credit loan with no credit check?

No, it’s not possible to get a bad credit loan without a credit check from a responsible lender. Dot Dot Loans carry out credit and affordability checks on every applicant because we believe in lending responsibly.