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How to Apply with Dot Dot Loans

We aim to make applying for a Dot Dot loan as simple as possible. If your loan is approved, you could have the money in your bank account within an hour, thanks to our 24/7 funding.

Before you apply, you must check that you are eligible for a Dot Dot loan.

Dot Dot Loans Eligibility Criteria

To apply you need to be:

  • Over 18 years of age
  • A UK resident
  • Not declared bankrupt or entered into any other form of insolvency arrangement

To complete your application, you'll also need:

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

Apply in 5 simple steps


Complete our simple online application.

Approved in minutes

Find out if you’ve been initially approved in minutes.

Accept loan terms

We may be in touch to confirm a few details. Otherwise you’ll be asked to review and accept the terms of the loan.

Money within an hour

Once your loan has been approved, the money could be in your bank account within an hour.


Make monthly repayments on a date agreed upfront.

Simple loan application form

The online application is a simple 4-page form, where we will ask you some basic personal and financial questions.

Our application form is designed to be quick and straightforward - there’s no need to provide us with any paperwork at this point or answer any long-winded questions.

The application should take you less than 5 minutes to complete.

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.

Quick loan decision

Once you’ve submitted your application, we aim to give you a quick decision. You’ll usually find out if you’ve been initially approved in minutes.

As a responsible lender, we will carry out an affordability check. At first, this will be a “soft search” on your credit file, which means it will be visible to you but not to any other lenders.

If you pass this soft check, we will make an offer to you. If you accept this, we will then carry out what’s known as a “hard search” on your credit file - which will be visible to other lenders.

If we can’t give you a quick decision, this could be because we require some additional information from you. Make sure you check your emails (including your spam folder) in case we need to contact you.

Same day pay-outs

If your application is fully approved, you could receive your loan the same day thanks to our 24/7 funding.

Manageable monthly repayments

We'll agree the repayment amount and date it's due to be taken up front, so you know what to expect. Repayments are then taken monthly on the agreed date from your bank account.

There are no additional fees or charges on our loans, meaning you’ll never pay more than the amount agreed upfront.

Got everything you need?

Even though our loans are simple, we understand that you may still have questions!

We hope you’ll carefully review your situation before applying, and we’re here to help you get all the information you need.

If you’d like more information about Dot Dot Loans, please contact us. You can also find more information in our FAQ section.

Apply now
How it works

Short-term loans: 1228.67% APR Representative