How we work

We’ve tried to make applying for a Dot Dot loan as simple as possible. Once your loan has been approved, you could have the money in your bank account within an hour.

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 efficient, 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.

Quick loan decision

Once you’ve submitted your application, we aim to give you a quick decision, and in most cases, you’ll find out if you’ve been initially approved in minutes. We will carry out an affordability check and a “soft search” on your credit file, this means it will be visible to you but not other lenders and organisations. If we make an offer to you and you accept this, then we will 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.

Same day pay-outs

Once your application has been approved, you could receive your loan the same day. This is because our loans are funded every hour between 9am and 10pm, seven days a week. If you're approved after 10pm your loan will be funded at 9am the next day.

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 the monthly repayment amount will never change. You can find more information in our FAQ section.

Apply now