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Loans from £200 to £1000

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Representative 1255% APR

Loans from £1500 to £4000

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Representative 99.9% APR

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Long term loans

If you are searching for a long term loan, you can now apply for up to £4000 from Dot Dot Loans. You can choose a loan term between 18 months to 48 months by applying here.

If your application is successful, you'll see the total cost of your loan upfront, which is exactly what you pay back – we never charge penalty fees or extra interest.

Dot Dot Loans is a direct lender specialising in helping those who have a less than perfect credit history and our customers have rated us ‘Excellent’ on Trustpilot.

Representative Example
Amount £2500
Term 24 months
Monthly repayments £193.58
Total amount payable £4,645.92
Interest rate 71.1% p.a. (fixed)
APR 99.9%

Long term loans FAQs

Question Answer

What is a long term loan?

A long term loan spreads the cost of a loan from 18 months to help make your repayments more manageable.

What is a long term loan suitable for?

You can apply for a long term loan to help pay off anything from a wedding, a new car, home improvements or any other large unexpected expenses.

Who can apply for a long term loan?

Long term personal loans between £1,500 and £4,000 are available to both new and existing customers, subject to credit and affordability checks.

What is the interest rate?

Our interest rates range from 59.9% APR to 99.9% APR depending on the size and term of the loan.

Are there any fees with a long term loan?

We don't charge fees for missed payments, we keep things simple at Dot Dot.

Can I get a long term loan if I have bad credit?

Yes, we will still consider you even if you have a less than perfect credit history.

Want to know more about our application process? Click here to read our loan FAQs.

How to apply for a long term loan

You can apply via our online form, and if you’ve been initially approved one of our agents will be in touch to discuss the next steps. We aim to provide a final decision on your loan the next working day.

If you are looking to borrow a smaller amount over a shorter period than our long term option, you can apply for up to £1,000 here.

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Short term loan

Representative Example

Borrow £300 over 3 months with monthly repayment of £153.63. Total amount payable £460.89. Interest rate 292% p.a. (fixed). 1255% APR Representative.

Long term loan

Representative Example

Borrow £2500 over 24 months with monthly repayment of £198.68. Total amount payable £4768.25. Interest rate 71.1% p.a. (fixed). 99.9% APR Representative.