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

Direct Lender Loans

Direct lender loans can offer more control and convenience than applying through a broker. Whatever the emergency or unexpected cost that needs covering, going direct could help you apply quicker, get a better deal and protect your personal data.

You can apply directly with Dot Dot Loans in minutes then receive your loan the same day, subject to affordability. We offer online loans from £100 to £1,000 with repayment terms of 3-9 months depending on how much you borrow. We look beyond credit histories too, so we can act as a direct lender of loans for bad credit in some cases.

Read how direct lender loans work below and find out how to apply with Dot Dot Loans.

What are direct lender loans?

There are two routes you can go down when applying for a loan: direct with the lender or through a broker. Direct lenders manage the lending process themselves from application through to funding. Brokers act as a go-between to collect loan offers from multiple direct lenders on your behalf.

Direct lenders in the UK range from high-street banks to online providers like Dot Dot Loans. If you're ever unsure whether you're dealing with a direct lender or a broker, the easiest way to find out is to ask who you'll receive the money from. Brokers are a third party and don't fund the loans they collect offers for.

What are the benefits of direct lender loans?

There are several advantages to choosing a direct lender over a broker:

  • Simplicity: Whereas brokers may pass you between multiple contacts and companies, you'll always know who you're dealing with if you go direct. This can save time and hassle if you need to ask questions about your loan.
  • No extra costs: Brokers usually charge lenders for the work they do - and with higher costs for the lender, they might not offer you the best possible deal. Other brokers may charge you a fee upon application. Either way, this extra cost can be eliminated by going direct to the lender.
  • Security: While reputable brokers will take care when processing your data, it's not always obvious which lenders they're sharing it with. Direct lender loans offer more control over your personal information in this sense.

What to consider when reviewing direct lender loans

Whether applying for a loan directly with a lender or through a broker, it's important to assess the finer details and make sure a loan is right for you.

  • Costs: Are all your loan costs clear upfront? Are there any hidden fees, like late repayment fees? Is the interest rate fixed or variable, meaning it might change from month to month?
  • Repayments: Do the repayment terms suit your budget? Direct payday loan lenders will ask for one large repayment when you next get paid, which could be more difficult to manage than smaller repayments spread over several months/
  • Credit checks: All responsible lenders are required to carry out credit checks to make sure their loans are affordable. If you see adverts for high acceptance payday loan direct lenders or loans without credit checks, these deals are usually too good to be true.

Is Dot Dot Loans a direct lender?

Yes! We're a fully regulated direct lender of short-term loans. You'll see all your loan costs clearly upfront and won't be passed around different companies. It's easy to get in touch with our friendly customer service team if you have any questions too.

How do Dot Dot loans work?

We offer loans from £100 to £1,000 with fixed repayment terms of 3-9 months, depending on how much you borrow. You can apply online in minutes and we fund approved loans every hour 24/7.

Our direct lender short-term loans are available with terms of 3-9 months, use our short-term loan calculator below to see what your ideal loan looks like.

Short term loan

Representative Example

Borrow £250 over 3 months with monthly repayment of £133.65 Total amount payable £400.95. Interest rate 284.76% p.a. (fixed). 1228.67% APR Representative.

You'll get a quick initial decision after applying. If we make you a loan offer and you accept it, we'll begin collecting repayments automatically via Direct Debit on an agreed date each month. Your repayments will be the same each month as we charge fixed rather than variable interest, making them easier to budget for.

We never charge late payment fees on our direct lender loans, but missing payments can harm your credit score. If you're ever worried you might have to pay late, pay less or miss a payment, contact our friendly customer service team as early as possible to see how we can help.

Do I qualify for direct lender loans from Dot Dot Loans?

You can apply online for one of our loans online if:
  • You're aged 18+
  • You have a UK address
  • You're currently working or receiving benefits
  • You have a valid email address and mobile phone number
  • You have bank account and debit card details

Are loans for bad credit available from direct lenders like Dot Dot Loans?

As a responsible lender, Dot Dot Loans carry out credit checks on everyone who applies for a loan. But if you're looking for bad credit loans from direct lenders only, it's helpful to know we'll look at other factors like your income and outgoings. So, even if you have a poor or non-existent credit history, we might be able to offer you a loan if we're confident you can afford the repayments.

Why choose Dot Dot Loans as your UK direct lender?

Dealing with emergency or unexpected costs can be stressful. If you need to borrow money to cover them, coming straight to Dot Dot Loans can make your situation a little easier. Here are the key reasons to choose us for a direct lender loan:

  • Flexible: Apply to borrow between £100 and £1,000 with repayment terms of 3-9 months, depending on your ideal loan amount.
  • Easy: Apply online in minutes and get a quick initial decision. Subject to affordability, we could transfer your loan the same day if we say yes.
  • Clear: You'll see all your costs upfront and know exactly what to budget for. Unlike some direct lenders, we never charge hidden fees, penalties or increased interest.
  • Affordable: We're committed to responsible lending and will carry out credit and affordability checks to help make sure a loan is right for you.
  • Friendly: Our UK-based customer service team are available if you ever have a question about your loan. You won't be passed around or unsure who you're speaking to like you might be with a broker.
  • Trusted: Thousands of customers have rated us 'Excellent' on the independent review website Trustpilot, so you don't just have to take our word for it.

How to apply for one of our direct lender loans

Coming to Dot Dot Loans could make your life easier if you need to pay for a new boiler, car repairs or another unexpected cost.

It's quick and easy to apply through our website. Compare your options using one of our loan calculators, check how everything works out, then move on to our short application form. We provide quick initial decisions and fund approved loans every hour 24/7. Read more on how to apply.

Remember, we look at more than just your credit history. If you're looking for a short-term loan for bad credit from direct lenders, we might be able to help. But whatever your situation, it's important to think carefully about whether you need a loan and whether you can afford to repay it.

Got a question about our direct lender loans? Check our FAQs or contact our friendly team to get an answer.

Apply now

Borrow from Dot Dot Loans

Apply now

Our customers rated our service as excellent

Approved loans are funded every hour 24/7 No hidden fees or costs Less than perfect credit accepted UK based Customer Service Team

Short-term loans: 1228.67% APR Representative