Little Loans for Bad Credit

Below you’ll find all you need to know about little loans from Dot Dot.

Sometimes an unexpected charge or bill can come out of nowhere and the money left in your account until payday just won’t cover it. Even a relatively small expense that you didn’t see coming can leave you struggling to find the funds, which is where a little loan can come in handy. At Dot Dot Loans, we offer loans from as little as £100.

Little loans exist to help keep you on your feet until payday, and the manageable amounts they come in mean you can repay them quickly, with no fuss. This means that unexpected bills can be resolved as soon as they appear, and your repayments can be settled in a short period of time.

Read on to find out more about a Dot Dot low value loan and why one might be right for you.

Eligibility for a little loan 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
• 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

Once you have submitted your application to us, we will conduct a credit check and affordability assessment, and if approved we’ll aim to get the money to you the same day.

Use our calculator to see how much you would pay overall on our smaller loan amounts. If you need to apply for a little loan, this can help you plan for the future, and ensure you can make the required repayments.

Little loans FAQs

Want to know more about how to apply for a little loan online or what to consider before taking one out? We’ve answered some common questions around this type of loan or click here to view our FAQ’s section.

What is a little loan?

Little loans, or ‘micro loans’, are types of personal loans. These are loans that help cover emergency expenses and that you receive from a lender such as Dot Dot Loans.

These smaller loans can help you cover unexpected bills, so you don’t have to take out a big loan you might struggle to pay back.

We offer short-term loans from £100, meaning we offer flexibility over the amount you borrow. We’ll give you a repayment schedule that reflects the amount you’ve borrowed to help make sure each instalment is affordable for you. You can, though, repay early at any time.

When should I consider a little loan?

A little loan is there to support you when you don’t have quite enough in the bank to cover an unexpected expense. We recommend you look into alternative borrowing options before applying, such as using savings or asking for help from a friend or family member.

Can I apply for a little loan if I have bad credit?

Yes, you can. Little loans for bad credit are available, however, your credit rating may affect our decision on whether to accept you for a loan or not as well as the amount you can borrow. You can find out more about bad credit and short-term loans here.

I want to apply for a little loan, how do I do this?

Applying for a little loan is very simple with Dot Dot Loans - and quick too. You simply need to fill in the details on our online form, submit and then wait for our response. if you’re accepted, we’ll transfer the money straight into your bank account - often within the same day- and then you can use this to pay for any emergency costs.

I only need a small amount, what is the lowest value loan Dot Dot offer?

We offer loans from £100, which could be enough to cover an emergency car expense or larger than usual utility bills

Are little loans different to payday loans?

Some little loans are very similar to payday loans. Others work like open lines of credit or running credit accounts, which have the option to withdraw from them multiple times. At Dot Dot we offer our customers a single sum, but we are not a payday lender.

Do Dot Dot Loans do credit checks on small loan amounts?

Yes. We conduct both a credit check and an affordability assessment to help ensure that our customers are in a position to repay us affordably.

How quickly can I get a little loan from Dot Dot?

Our little loans offer a support on those grey days when an emergency strikes; they also don’t come with any nasty surprises. If approved you could have the little loan you need fast – we can transfer it directly into your bank account, usually on the same day, depending on when your application is approved.

You can also manage your repayments online via our portal when using Dot Dot Loans for your emergency little loan.

Comments from Dot Dot Loans customers

We receive great feedback from our customers Take a look at our testimonials and ‘Excellent’ Trustpilot score when deciding if Dot Dot Loans is the right choice for you.

Got everything you need?

If you need a little loan and are thinking about choosing Dot Dot Loans, you can apply today. Our Dot Dot loans are ideal for short-term financial problems, but if you have a long-term financial need or are experiencing financial difficulties, we suggest you seek free and impartial debt advice – from the likes of Citizens Advice or StepChange – before considering a loan.

Apply now