Quick Loans Online

Sometimes the unexpected can leave you needing that little bit extra. You might not have the time to go through a complicated application form or wait for a slow pay-out. But when you need your money in a rush, our fast loans can help (subject to affordability).

We offer quick UK loans of £100 to £1,000, repaid over 3 to 9 months depending on how much you borrow. You can apply online in minutes, get an initial decision soon after and receive your loan the same day as you’re approved.

Learn more about our fast loans online and how to apply below.

What are fast loans?

You can think of fast loans in the UK as any form of borrowing with a short and simple application process, quick approval, and swift pay-out. Their speed and convenience make them perfect if you're dealing with an emergency or unexpected cost and can't afford to wait around.

As a result, these simple, fast loans are usually a short-term finance option. Most involve small amounts of money that you'll repay, plus interest, in a short space of time. But some larger longer-term loans can go through quickly too.

What can quick online loans be used for?

When emergency costs appear and you don’t have savings to dip into, getting a quick and easy loan straight away could help you out.

You might need to cover:

• Home maintenance problems, such as boiler or washing machine repairs
• Vehicle repairs, servicing, or MOTs
• Medical or vet bills

Maybe several of these examples have come around at once and put an extra strain on your budget. Whatever your situation, a quick online loan might be the answer.

What are the benefits of fast online loans?

There are many reasons why getting a fast loan online could help you rest easy.

Number one is convenience. With an online lender like Dot Dot Loans, there's no need to wait for an appointment or travel to a physical bank or store. You can apply for a fast-lending loan from the comfort of your own home or even on the go.

And with most online loan applications taking a matter of minutes to complete, speed is another key benefit. Some lenders offer quick loan approval and will transfer your funds the same day (subject to affordability).

They're accessible too. Many fast loans online don't require security or a guarantor, saving you the hassle of offering either. And with relatively small sums on offer, you may have a better chance of being approved for a quick loan with bad credit.

What are the different types of quick loan finance?

If you're searching for quick loans in the UK available on the same day, the two options you're most likely to come across are payday loans and short-term loans.

Most payday loans are small loans that you'll be expected to repay in full as soon as you next get paid. They often go through quickly and can come in handy when disaster strikes. But with a risk of late payment fees if you can't afford the full repayment, you'll need to be careful to avoid making your debt worse.

Short-term loans are just as quick – but can also be more manageable. You can use them to cover the same kinds of unexpected costs, then spread the repayment in monthly instalments. And with our quick UK loans, you won't face late payment fees either.

How do Dot Dot's quick UK loans work?

When you need a little extra to help you through, our fast loans make borrowing money quick and simple (subject to affordability).

You don't need to find a guarantor or offer your home or other valuables as security when applying for our quick loans online. Simply use our short-term loan calculator to get started.

Both are easy-to-use tools that show you how much you can borrow, what repayment terms are available, and your total costs. We offer short-term fast loans of £100 to £1,000, with fixed repayment terms of three, six or nine months.

Once you're happy with how everything looks, you can move on to our short online application form. We'll carry out credit and affordability checks to help us offer a simple, fast loan that you can realistically afford, then let you know our decision. Because we take more than just your credit score into account, we won’t rule out your application for a fast loan on bad credit alone.

If your application is approved, you'll get your quick loan the same day. We'll collect repayments automatically to save you the hassle – and never charge you any extra.

Why choose Dot Dot for a fast loan online?

When you need a loan straight away, it's important to choose a lender you can trust.

We're a direct lender of quick loans in the UK rather than a broker, so you'll always know who you're dealing with. Here are seven reasons to feel confident about applying for one of our quick online loans:

• No surprises: You'll see all your costs upfront and never pay any extra. There are no late payment fees or added interest with our fast loans
• Quick and easy loan process: You can apply online in minutes and get fast loan approval and funding, subject to affordability. No need for a guarantor or security
• Flexible loan options: Borrow from £100 to £1,000 and repay in manageable instalments of 3 to 9 months, depending on how much you borrow. Your interest rate will always be fixed and agreed upon before you complete your application.
• Responsible lending: Here at Dot Dot, we aim to practise responsible lending. This means that we will always conduct an affordability check as part of your loan application, which not only helps us but benefits you as it provides reassurance that you will be able to manage your loan.
• Friendly service: Our customer service team are based in the UK. They're easy to talk to and happy to help
• Well-reviewed: Our customers rate us ‘excellent' on the independent review website Trustpilot. People praise our simple process and quick decision loans
• Accessibility: If you’re looking for a quick loans bad credit direct lender, we might be able to help. We look beyond your credit score, meaning you might be able to get a fast loan with bad credit.

Do I qualify for Dot Dot's quick online loans?

You can apply for one of our fast online loans if:

• You're aged 18 or over for a short-term loan
• You have a UK address
• You've got a valid email address and mobile phone number
• You can give us bank account and debit card details

You'll get a quick decision once we've got all the information we need and carried out credit and affordability checks. We do this to try to offer loans that are responsible and work within our customer's budgets.

But that doesn't mean you need to have a perfect credit score. We'll look at your income, outgoings and review your application based on your situation as a whole, meaning we can approve quick loans for bad credit in the UK (subject to affordability).

How much can I borrow?

If you need a cash loan straight away, you can apply to borrow between £100 and £1,000. That's enough to cover emergency situations and unexpected bills.

How soon could I get my loan?

Very soon. We try and review all applications for short-term loans the same day, and fund approved loans every hour 24/7.

How do repayments work with Dot Dot's fast loans?

You'll spread the cost of your quick online loan in fixed instalments of 3 to 9 months depending on how much you borrow. Use the sliders on our loan calculators to see what repayment terms are available.

We collect repayments automatically through Direct Debit. You can speak to us about setting up a different payment method if you need to.

Life is unpredictable and things can change. If you're worried you might fall behind on your repayments, our friendly team will help you make a new plan.

We never charge late payment fees, but it's a good idea to let us know as early as possible if you're struggling. This will help avoid a missed payment harming your credit score.

What's the interest rate?

Your interest rate is fixed upfront and depends on how much you borrow. A fixed rate means your repayments will be the same every month. Use our loan calculators to see what yours will be.

Are there any extra fees?

Our simple, fast loans come without late payment fees or added interest. No surprises.

Do Dot Dot do quick loans for bad credit on the same day?

If you’re looking for fast loans in the UK with bad credit, we know it can feel like a struggle. Because we look at your credit score as part of your application rather than as the deciding factor, we’re an option for those looking for a quick loan with bad credit, subject to affordability.

If you’re approved for your fast loan with bad credit, you’ll get the same rapid access to your finances as everyone else, regardless of how good or bad your credit score is.

Apply for our quick UK loans today

We're here to help if you need money in a hurry.

Start your application by using our short-term calculator to see what your ideal loan could cost. Once you're happy with how everything looks, select ‘apply now' to move on to the next step.

If you have any more questions first, read our FAQs or contact our friendly team.

Apply now