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Long Term Loans for Bad Credit

Long-term loans could help if you need to spread the cost of a large investment or unexpected bill. You could get higher amounts of money than you would with short-term loans, while longer repayment terms make payments more manageable. Long-term loan applications are subject to affordability checks.

We offer long-term personal loans of between £1,500 and £5,000 and repayment terms of 18 to 48 months depending on how much you borrow. You'll see all your costs up front and never face late payment fees. We also offer long-term loans for bad credit in some cases, so you could get a boost even if a less than perfect credit score has held you back elsewhere.

Find out more below about how long-term lending works, its advantages, and how to apply with Dot Dot Loans.

What are long-term loans?

Long-term loans are larger sums of money that are borrowed and paid back plus interest, over an extended period of time. This is usually done in regular instalments spread over one year or more. You can repay yours over 18, 24, or 48 months with Dot Dot Loans depending on how much you plan to borrow.

You can apply for long-term loans online or on the high street. Because of the extra risk involved with higher loan amounts, some long-term loan lenders ask for guarantors or personal assets as security. You don't need either for one of our loans.

What are the advantages of long-term loans?

If you need financial support, there are plenty of reasons why a long-term personal loan could be a solution for you.

  • Larger loan amounts: Most lenders will offer a larger loan if you repay it over a longer time period. This means you can get more money to help cover larger costs
  • Lower repayments: Long-term loans can be more manageable. By spreading the cost of your loan further, you could have lower monthly instalments than you would if you took out a shorter-term loan
  • Lower interest rates: Most long-term loans come with lower interest rates than short-term options like payday loans. However, you may pay more in interest overall.

What can I use long-term personal loans for?

If you're short on cash, you're not alone. There are lots of situations where a long-term loan can give you the boost you need. Our loan purpose guide explains some of the reasons why our customers take out a loan.

They're useful for expensive purchases because of the higher loan amounts available. You may need to pay for urgent home repairs, or emergencies like your car breaking down.

They can also help when things don't go to plan. If you're met with a large unexpected bill or have several due at once, turning to a long-term loan direct lender like Dot Dot Loans could help you with an emergency financial situation.

How does long-term lending work with Dot Dot Loans?

We offer quick and easy long-term loans with no guarantor, no late payment fees, and no other nasty surprises. You could apply online in minutes and if approved, get the money on the same day. Loans are funded every hour 24/7.

Our long-term loans range from £1,500 to £5,000, with fixed monthly repayment terms of 18 to 48 months. You can use our long-term loan calculator to choose how much you want to borrow and see your available terms and costs before you apply.

We're committed to responsible lending and will carry out credit and affordability checks to make sure we are offering a loan which you can realistically afford. But if you're looking for a long-term loan with bad credit, don't panic. We look at other factors including your income and outgoings, so a less than perfect credit score won't rule you out automatically. You can still apply for a long-term loan with bad credit.

Approved loans are funded every hour 24/7. It's that simple.

Why choose Dot Dot Loans?

Whether you've discovered an unexpected expense or need support to take the pressure off, we can help. Our long-term loans of £1,500 to £5,000 are clear and convenient, subject to approval. And by using a direct lender instead of a broker, you'll always know who you're dealing with.

You could also use us as a long-term loan for bad credit direct lender. This is because we look at more than just your credit score when reviewing your application, so a poor or non-existent credit history isn’t the be-all and end-all. Please note that because everyone’s credit file is different, the outcome of your loan application still ultimately depends on the result of your affordability check.

Here are six reasons to apply for one of our long-term loans online:

  • Fair: The amount we agree on up front is the amount you'll pay back. No surprises
  • Flexible: You won't face penalty fees or added interest
  • Fast: Apply in minutes and get your loan the next day if approved
  • Friendly: Our UK-based customer service team are always happy to help
  • Responsible: We’re regulated and follow strict guidelines on fair, safe and responsible lending
  • Recommended: Our customers rate us 'excellent' on the independent customer review site Trustpilot

Applying for a loan can feel intimidating. But with Dot Dot Loans, you don't need to visit a physical location or go through a complicated application process. People like our fast and friendly service − and you might too.

Is a long-term personal loan right for me?

We want you to feel confident in your financial decisions. While a long-term loan can have lots of benefits, there are times when it might not be the best option for you.

Short-term loans are usually more suitable if you only need a smaller loan amount. If you want to replace your washing machine, service your car or renew your home insurance, for example. We offer short-term loans from £100 to £1000 to help cover smaller costs.

And while spreading the cost of a loan over a longer period of time will make your monthly repayments more affordable, they can be more expensive overall if you end up paying more in interest. But with Dot Dot Loans you can repay early at no extra cost.

Long-term loans can also make it tricky to plan your future as you'll still need to budget for your repayments. Will you struggle to afford them if you change jobs or move home? If you're worried about debt you can get free advice from National Debtline, StepChange or the MoneyHelper.

Do I qualify for a Dot Dot long-term loan?

Whatever your situation, you can apply for one of our long-term personal loans if:

  • You're aged 21 or over
  • You live in the UK and can give us your address
  • You're currently employed
  • You've got a valid email address
  • You have bank account and debit card details

Like all responsible lenders, we have our own criteria to help us offer loans our customers can afford. We'll look at your income, outgoings and credit history before giving you a decision.

How much can I borrow?

You can apply for a long-term loan with us from £1,500 to £5,000. If you need a smaller amount, we also offer short-term loans of £100 to £1,000.

How will my repayments work?

We offer fixed repayment terms of 18, 24, or 48 months. The length of your loan will depend on how much you want to borrow. You can see what’s available to you through our long-term loan calculator.

Representative Example
Amount £2500
Term 24 months
Monthly repayments £198.68
Total amount payable £4,768.25
Interest rate 71.1% p.a. (fixed)
APR 79.4%

We collect repayments automatically through Direct Debit, usually around the date you get paid. You can speak to us if you need to set up a different payment date.

If you're worried you might fall behind or miss a payment, we'll try to help and create a new plan. You won't face late payment fees but missed payments can affect your credit score and make it harder to get credit in the future.

Are there any extra fees with long-term loans?

We don't charge late payment fees, added interest or anything else extra. No surprises.

What's the interest rate on a Dot Dot long-term loan?

Your interest rate will be fixed up front depending on how much you borrow. Use our long-term loan calculator to see what yours could be.

Getting a long-term personal loan with a fixed interest rate can be easier to budget for than a loan with a variable interest. The amount you repay will be the same each month with a fixed rate, but a variable rate means it can go up and down.

Can I get a long-term loan with bad credit?

We're committed to lending responsibly, but that doesn't mean we expect you to have a perfect credit score. You could still get one of our easy long-term loans with bad credit if we’re confident you can afford the repayments. We'll look at your situation as a whole before making a decision.

How soon could I get my loan?

You can apply for a Dot Dot long-term loan in minutes and get an answer soon after. Loans are funded every hour 24/7.

Apply for a long-term personal loan with Dot Dot

A long-term loan could be just what you need to move forward with your life. Use our long-term loan calculator to create the ideal loan for you, then select 'Apply now' to move on to our secure online application form.

After you've submitted your application, we'll get in touch as soon as possible to give you our decision. Remember, you could still get a UK long-term loan with bad credit.

You can visit our FAQs or contact us if you have any more questions.

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Borrow £1500 to £5000 from Dot Dot Loans

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Approved loans are funded every hour 24/7 No hidden fees or costs Less than perfect credit accepted UK based Customer Service Team

Loans from £100 to £1000

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Representative 824.7% APR

Loans from £1500 to £5000

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Representative 79.4% APR


Short-term loans: 824.7% APR Representative