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Same day loans from Dot Dot Loans

Do you have an urgent cost to cover? Whether it's a broken-down boiler or an emergency medical bill, sometimes you can't afford to wait around. Our simple same day loans can help you tackle your priorities and get life back on track.

You can apply online for between £200 and £1,000 with no guarantor or security. If we say yes, we'll transfer your loan the same day. Read on to learn the ins and outs of same day cash loans, and how to apply with Dot Dot Loans.

What are same day loans?

We're talking about any loan you could have in your bank account the same day as your application is approved. They usually come with a short and simple online application process, a quick response from the lender, and a speedy payout shortly after.

Same day loans are designed to help you cover unexpected costs that simply can't wait. This typically makes them a short-term finance option, allowing you to borrow a small amount of money to fix a temporary problem and pay back what you owe in a few weeks or months.

What can same day cash loans be used for?

When disaster strikes or extra costs mount up, sometimes it's not as easy as dipping into your savings. Bank of England statistics show we're putting away less of our income than we used to.

Online loans with same day funding can help you with costs that need paying as quickly as possible. That could include:

  • Home maintenance bills, like boiler or washing machine repairs
  • Vehicle repair costs or MOTs
  • Medical or vet bills
  • Insurance renewals or other irregular costs

Life is unpredictable – but knowing you can get a loan the same day could be enough to ease the pressure.

What are the benefits of same day online loans?

The Money Advice Service reports one in five UK adults struggle with money worries. But the speed, convenience, and accessibility of same day loans makes them ideal when times are tight.

You won't have to go through a complicated application process or wait weeks for an answer like you might with other types of personal finance. Same day loan lenders like Dot Dot Loans will give you a quick decision and transfer your loan soon after.

Applying online also means you don't have to travel to a bank or store. You can use your laptop, computer, or smartphone to apply in minutes then get on with your day.

Most same day cash loans are available without a guarantor or security, too. And because they're usually smaller loans, you may find it easier to get approved if you have a poor credit score.

What are the different types of same day online loans?

Two common sources of same day cash are payday loans and short-term loans. Both can be used for the same reasons, but there are key differences in how they work.

Payday loans are designed to make ends meet until your next pay cheque. You'll then need to repay everything back in one go. They usually come with high interest rates and costly late payment fees, and they have earned a bad reputation for causing more problems than they solve.

A short-term loan could be a more manageable alternative. This way you'll spread the cost of your borrowing in lower monthly instalments. We offer simple short-term same day loans with no nasty late payment fees.

What are guaranteed same day loans?

You might come across some lenders offering guaranteed same day cash loans. But these claims are usually too good to be true.

All lenders authorised by the Financial Conduct Authority (FCA) should offer loans in a way that is fair and responsible. That means carrying out certain checks to protect you from taking on debt you might not be able to afford.

While responsible lenders can still promise they'll transfer your loan the same day if they approve your application, they cannot guarantee approval.

How do our same day loans work?

You can get a loan the same day from Dot Dot Loans with minimum hassle. Simply use our short-term loan calculator to choose how much you want to borrow, see what repayment terms are available, and check your total cost before you apply.

We offer same day cash from £200 to £1,000, repayable over three, six, or nine months depending on the amount you borrow. You can apply in minutes and get a quick decision when you need it most.

As a responsible lender, we'll carry out credit and affordability checks to help us offer a loan we're confident you can afford. But a bad credit score won't automatically rule you out as we look at your income and outgoings too.

If we say yes, you could have your loan in your bank account the same day. We'll then collect your repayments automatically.

Why choose Dot Dot Loans as your same day loan lender?

FCA research shows users of payday and short-term loans are less confident managing money than other UK adults. But we make things quick, easy, and straightforward.

We're a direct lender too, so you'll always know who you're dealing with. Here are six reasons to feel confident in applying for one of our same day online loans:

  • Quick: Apply in minutes, get a quick decision, receive your loan the same day
  • Honest: The amount you agree upfront is the amount you'll repay
  • Flexible: Borrow between £200 to £1,000 and spread the cost over three, six, or nine months
  • Responsible: We're authorised by the FCA and will aim to offer a loan you can realistically afford
  • Friendly: Our UK-based customer services team are happy to help
  • Recommended: Our customers rate us 'excellent' on the independent review site Trustpilot.

Is a same day loan right for me?

Taking out a same day loan isn't always the best option. Think carefully about how much you're applying for, why you need it, and whether you can afford the repayments.

If you need a higher amount for example, we also offer long-term loans of £1,500 to £4,000. These are repaid over 18 to 48 months and are ideal for larger investments or life events.

But if you're already struggling with debt, another loan is unlikely to make your situation easier. You can get free and impartial debt advice from National Debtline, StepChange, and the Money Advice Service.

Do I qualify for a same day online loan from Dot Dot Loans?

You can apply for a same day cash loan from Dot Dot Loans if:

  • You're aged 18 or over
  • You have a UK address
  • You're currently working
  • You have a valid email address and mobile phone number
  • You have bank account and debit card details

Like all responsible lenders, we also have our own criteria to help us decide whether we can give you a loan. But remember the focus isn't all on your credit score – we'll factor in your income and outgoings too.

How much same day cash can I borrow?

You can apply for a short-term loan between £200 and £1,000. We fund all short-term loans the same day we approve them.

How do repayments work with Dot Dot's same day UK loans?

You can spread the cost of our same day cash loans in fixed instalments of three, six, or nine months. Use the slider on our loan calculator to see what repayment terms are available.

Once you're approved, we'll collect your repayments automatically via Direct Debit.

Your repayments will be the same every month – but we know things can change. If you're worried you might fall behind or miss a payment, speak to our friendly team as soon as possible to set up a new plan.

We won't charge you a late payment fee but missed payments can harm your credit score.

What's the interest rate?

Your interest rate will vary depending on how much you borrow. The best way to see what yours could be is to use our short-term loan calculator.

All our rates are fixed upfront. This means the amount of interest you pay each month will always be the same, making our same day loans easy to budget for.

Are there any extra fees?

We don't charge late payment fees, added interest, or any other nasty extras.

Apply for a same day UK loan today

A same day loan from us could help you deal with life's emergencies almost as soon as they arise.

Use our short-term loan calculator to get started. Choose how much you want to borrow, see what your monthly repayments will be, and check how much you'll repay overall. Once you're happy to go ahead, hit 'apply now' to move on to our quick and easy application form.

We'll get back to you as soon as possible. If we say yes between 9am and 10pm, we'll send your loan the same day. You can check our FAQs or contact our friendly team if you have any questions.

Apply now

Short term loan

Representative Example

Borrow £300 over 6 months with monthly repayment of £92.97. Total amount payable £557.82. Interest rate 237% p.a. (fixed). 757.7% 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.

Loans from £200 to £1000

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Representative 757.7% APR

Loans from £1500 to £4000

Apply now

Representative 99.9% APR

Short-term loans: 757.7% APR Representative Long-term loans: 99.9% APR Representative