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Loans

Low APR Loans for Good Credit Scores

Having a good credit score puts you in a strong position when needing to borrow money. Whatever the emergency or unexpected cost you need to cover, loans for good credit usually come with better rates and a higher chance of approval.

With Dot Dot Loans, you can apply for an unsecured personal loan with good credit with no guarantor. We offer online loans from £100 to £1,000 with repayment terms of 3-9 months, depending on how much you borrow. If we approve your application, you could receive your loan the same day, subject to affordability.

Read more about how loans for people with good credit work and how to apply with Dot Dot Loans.

What is a good credit score for a personal loan?

The UK’s three Credit Reference Agencies all use slightly different scales to assess your credit history:

  • Experian provides scores between 0-999, with 881 and above considered good to excellent
  • Equifax provides scores between 0-1,000, with 531 and above considered good to excellent
  • TransUnion provides scores between 0-710, with 604 and above considered good to excellent

Knowing your credit score is useful for judging whether personal loans for good credit are suitable for you. If you’re unsure what your score is, read our guide on how to check your credit score.

How does having a good credit score affect applying for loans?

Having a good credit score shows lenders that you’re managing your finances consistently and have handled credit well in the past. When you apply for a loan, it’s one of the key factors lenders use to judge how likely you are to repay in full and on time.

Lenders are usually more confident in approving people with good credit scores and can offer them higher loan amounts and better interest rates as a result. This is why you might see these loans referred to as low APR loans for good credit.

You still have options with a fair or bad credit score and it isn’t the only factor that lenders assess. But in most cases, having a good score puts you in a stronger position when needing to borrow money.

What are the different types of loans for people with good credit?

Having a good credit score usually means more loans are available to you. Here are the key types of personal loans for a good credit rating:

  • Unsecured loans, which aren't secured on your assets. You simply borrow the money and pay it back.
  • Secured loans, which are linked to assets you own, usually your property. The lender could repossess your home if you fail to make the repayments.

You’re also likely to come across short-term and long-term loans, which are instalment loans repaid over different lengths of time from a few months to several years.

We offer unsecured personal loans for good credit with a range of term lengths depending on how much you borrow. This way you have flexibility and don’t need to put your assets at risk.

What size personal loans for good credit do you offer?

Having a good credit score can make higher loan amounts more accessible. You can apply to borrow between £100 and £1,000 through our website, subject to affordability.

A £1,000 personal loan with good credit could cover larger unexpected costs, while £100 might be enough for small expenses. View all our loan amounts for a summary or use our sliding tool below.

How do repayments work on your loans for good credit?

You can spread the cost of our unsecured personal loans for good credit in fixed instalments over 3-9 months, depending on how much you borrow.

Our short-term loans for good credit come with terms of 3-9 months. Use our short-term loan calculator below to see what repayment terms are available for your ideal loan amount.

If we approve your application, we’ll collect repayments automatically via Direct Debit on an agreed date each month. Your repayments will be the same every month as we charge fixed interest, rather than variable rates.

We never charge late payment fees but bear in mind that missed payments can harm your credit score. If you’re ever worried about falling behind on your repayments, it’s best to contact our friendly team as early as possible to see whether we can adjust them.

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.

Do I qualify for an unsecured personal loan with good credit?

You can apply for one of our loans for good credit online if you meet our lending criteria:

  • You're aged 18+, with good credit
  • You have a UK address
  • You’re currently working or receive benefits
  • You have a valid email address and mobile phone number
  • You have bank account and debit card details

As a committed responsible lender, we carry out credit and affordability checks on everyone who applies. We do this to make sure your repayments will be manageable on top of your outgoings over the full term you apply for.

What credit checks are there on loans for good credit?

We carry out credit and affordability checks on everyone who applies for a loan.

Lenders can carry out soft and hard credit checks when reviewing a loan application. Our initial credit check will be a soft one and won’t show up to other lenders on your credit report, so you can find out if you’re likely to get approved without impacting your credit rating.

We’ll only carry out a hard credit check if we go on to make a loan offer and you accept it. This check will be visible on your credit report. Read more about soft and hard credit checks.

Why choose us for an unsecured personal loan with good credit?

Dealing with emergency or unexpected costs can be stressful but having a good credit score could make it easier to borrow the money you need. Here’s why you can feel confident in choosing us for an unsecured personal loan with good credit:

  • Flexible: Borrow between £100 and £1,000 with repayment terms of 3-9 months, depending on your chosen loan amount.
  • Easy: Apply online in minutes from the comfort of your own home. We’ll give you a quick initial decision and could transfer your loan the same day, subject to affordability.
  • Clear: We’ll make sure all your costs are clear upfront and never charge extras fees or added interest.
  • Manageable: As a responsible lender, we carry out credit and affordability checks to make sure your loan is manageable.
  • Friendly: Our UK-based customer service team are available to chat if you have a question or want to speak to someone about your loan.
  • Trusted: Don’t just take our word for it – thousands of customers have rated us ‘Excellent’ on the independent review site Trustpilot.

We’re a direct lender too, not a broker, so you won’t be passed between different companies and contacts and will always know who you’re dealing with.

How to apply for one of our loans for good credit

Our unsecured loans for people with good credit can come in handy for unexpected costs, be it boiler breakdowns, car repairs or something else.

Applying is simple too. Compare your loan options, then once you’re happy with how it all looks, move on to our short online application form. We always give a quick initial decision and fund approved loans every hour 24/7. Read more about how to apply.

It’s important to think carefully about why you’re applying for a loan and whether you can afford it. Check our FAQs or contact our friendly team if you have any questions about our loans for good credit.

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Short-term loans: 1228.67% APR Representative