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Emergency loans from Dot Dot

Many people find themselves in unexpected situations where they could do with a little bit of extra cash to cover an urgent expense before their next payday. If you need money for any type of emergency, then look no further.

It's not always possible to account for every unexpected expense you may face, and even when you do try to plan for the unexpected, sometimes these things cost more than you’d budgeted for. Whatever the case, when you need cash in an emergency, we understand how stressful that can be.

At Dot Dot Loans, we offer emergency short-term loans in values from £100 to £1,000, to cater for a variety of expenses you may find yourself facing.. Read on to find out more about borrowing money from Dot Dot Loans and how quickly you could get the money you may need.

Eligibility for borrowing money from Dot Dot Loans

Before you apply for a loan with Dot Dot, we ask that you check that you meet our eligibility criteria. Eligibility will depend on your personal circumstances, but to apply you need to be:

  • Over 18 years of age (over 21 for long-term loans)
  • A UK resident
  • In employment
  • and not have been declared bankrupt.

To complete your application, you'll also need:

  • A valid email address and mobile number
  • Home address details
  • An active bank account and debit card details

How to apply for an emergency loan from Dot Dot?

It's important when looking into borrowing emergency money that you do your own calculations and research. To help, we’ve pulled together this loan calculator to help you determine if you can afford to make repayments on a certain amount, when you use Dot Dot Loans. Whether you need a small loan, such as £100 to buy a new part for your washing machine repair or £1,000 for costly car repairs, use the calculator to see how much you’ll pay over various repayment periods.

Short term loan

Representative Example

Borrow £300 over 6 months with monthly repayment of £97.50. Total amount payable £585. Interest rate 259.15% p.a. (fixed). 925.4% APR Representative.

Borrowing money for an emergency FAQs

Have a question about an emergency loan from Dot Dot? We’ve tried to answer some of the most common ones below. If there’s anything else you need more information on, be sure to take a look at our FAQ section first or speak to one of our customer service team.

What is an emergency loan?

Perhaps your car has broken down, your washing machine has given up the ghost, or an unexpected bill just landed on your doormat. Whatever the case, when you need money today you don’t want to have to wait for it.

This is where emergency loans can be an ideal solution to a short-term problem, but are best saved as a last resort method of obtaining the funds you need.

Before applying for any short-term loan it’s a good idea to not only research the direct lenders available but to find out if you can find the money elsewhere first, for example using savings or revising your budget to accommodate the cost of borrowing from a trusted family member or friend.

In an emergency and when you’re out of options to cover the cost, a loan from Dot Dot Loans could help. If approved you may be able to cover that emergency expense the very same day. Our lack of fees and charges make borrowing that little bit simpler and mean you have less to worry about.

At Dot Dot Loans we strive to be transparent, honest and fair – which is easy to see from our great Trustpilot reviews. We’ve been scored as ‘Excellent’ by Trustpilot – click here to read what some of our customers though about us.

Why might I need money fast?

A fast money loan can help in a number of situations - whether you need to pay for repairs to your home or need to make urgent arrangements in a family emergency. We understand that you’re looking for a quick turnaround here at Dot Dot Loans, which is why one of our short-term loans may be just the solution you need.

I need money today, can Dot Dot Loans help?

Yes. Loans are funded every hour 24/7.

How does the application process work?

To apply for a Dot Dot loan, simply complete our online application form, filling in details such as your name, your home address, bank details and income and expenditure information. Then, we use this information to conduct credit and affordability checks to help ensure the loan you’re applying for is one you can repay affordably.

If approved for a short-term loan you could have the money in your bank account within the same day; ready to cover whatever emergency you are currently dealing with.

What can an emergency loan from Dot Dot be used for?

Dot Dot loans are designed to help out in the kind of emergency situations where you need money to pay for something now.

Or, perhaps you’d simply rather spread the cost than take the hit all in one month. Dot Dot Loans can help in all manner of emergencies, from something as quick to fix as the car breaking down or something bigger, such as a flood in your home. Short-term loans should not be used for long-term financial issues. If you are experiencing financial difficulty, we recommend you seek free and impartial debt advice from a not-for-profit organisation like Stepchange or the Money Advice Service.

Can I get an emergency loan if I am unemployed?

At Dot Dot Loans, we look at a multitude of factors, including your employment, when considering your eligibility for a loan. If you are not in current employment, we will not be able to issue an emergency loan to you. Other factors we look at are also searching your credit file for affordability. We also check if you’ve previously been declared bankrupt, and if so we will not be able to issue you an emergency loan.

Is Dot Dot Loans a direct lender?

At Dot Dot Loans, we like to do all we can to help our customers when they need to tackle one of life’s emergencies. Dot Dot Loans is a direct lender and not a broker, find out more about what this means here.

We understand how stressful it can be to wait for money to come through, which is why if you’re approved for a short-term loan, we aim to get you the money you need within the same day your application is approved.

At Dot Dot Loans, we don’t charge any fees - that means no admin charges or late payment fees.

Need anything else?

We hope this guide has helped you make a decision or pointed you in the right direction if you need money today and you’re considering using Dot Dot Loans as a lender. Click here to read our full FAQ section.

If you’re interested in applying for a short-term loan with Dot Dot Loans hit the apply now button below.

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Loans from £100 to £1000

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Representative 925.4% APR

Loans from £1500 to £4000

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Representative 99.9% APR

Short-term loans: 925.4% APR Representative Long-term loans: 99.9% APR Representative