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Quick Loans Bad Credit

Sometimes emergencies or mounting costs 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 ease the pressure.

We offer quick UK loans of £100 to £5,000, repaid over three to 48 months. You can apply online in minutes and get an initial decision soon after. Depending on how much you borrow, the funds could be in your account the same day. Learn more about the fast loans available online below, and how to apply with Dot Dot Loans.

What are fast loans?

You can think of fast loans 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 almost as quickly.

What can quick online loans be used for?

Data from the Office for National Statistics shows we're putting away less of our personal income than we used to. When costs creep up and dipping into your savings isn't an option, getting a cash loan straight away could help you out of a tight spot.

You might need to cover:

  • Home maintenance problems, such as boiler or washing machine repairs
  • Vehicle repairs, servicing, or MOTs
  • Medical or vet bills
  • Other unexpected costs like insurance renewals

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?

The Money Advice Service reports money worries cost us 46 minutes sleep a night. But there are plenty of 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 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 loan the same day - which is ideal when you're under pressure.

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

What are the different types of quick loan finance?

If you're searching for quick loans available 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 high interest rates and 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 lower monthly instalments. And with our quick UK loans, you won't face late payment fees either.

Our long-term loans can be a quick source of cash, too. Perfect for larger costs and events like a new car or a wedding, they allow you to borrow more money and repay it over a longer period of over a year. You could apply online in minutes and get the money a day later if your application is approved.

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.

You don't need to find a guarantor or offer your home or other valuables as security. Simply use our short-term loan calculator or long-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 loans of £100 to £1,000, with fixed repayment terms of three, six, or nine months. Our long-term loans range from £1,500 to £5,000, with repayments spread over 18, 24, 36, or 48 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.

If it's a yes, you'll get your quick loan the same day or the day after depending on how much you borrow. 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?

Time limits can put you under pressure. But even when you need a loan straight away, it's important to choose a lender you can trust.

We're a direct lender rather than a broker, so you'll always know who you're dealing with. Here are six 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. No late payment fees or added interest
  • Quick and easy process: You can apply online in minutes and get fast loan approval and funding. No need for a guarantor or security
  • Flexible loan options: Borrow from £100 to £5,000 and repay in manageable instalments of three to 48 months. Your interest rate will always be fixed
  • 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

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, or aged 21 or over for a long-term loan
  • You have a UK address
  • You're currently working
  • 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 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 and outgoings too, and review your application based on your situation as a whole.

How much can I borrow?

If you need a cash loan straight away, you can apply to borrow between £100 and £5,000. That's enough to cover unexpected bills or life's larger investments.

How soon could I get my loan?

Very soon. We try and approve applications for short-term loans the same day and long-term loans the day after. Approved loans are funded 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 three to 48 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.

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 or long-term loan calculators 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.

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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

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Representative 79.4% APR

Short-term loans: 824.7% APR Representative Long-term loans: 79.4% APR Representative