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Choose an online short term loan by amount

A 'short term loan' is, as its name suggests, a loan with a relatively short repayment period. This can range from around as little as a week to a few months depending on the lender.

Short term loans can help borrowers with emergency expenses that may suddenly arise. For example, if you need to urgently repair your car or fix a broken boiler and do not currently have the funds to cover it, a short term loan could be a helpful solution.

This type of loan allows you to spread the cost out over a few weeks or months, without committing to a long term contract.

At Dot Dot Loans, we provide simple, straightforward, online short term loans. You can borrow between £100 and £1000, with repayment plans depending on the loan amount.

How do short term loans work with Dot Dot Loans?

Before you take out a short term loan, it's important you look into how the costs break down to see how much interest you will be paying and what the total amount repayable will be. To help, we've created this sliding calculator. Select the amount you want to borrow, and how long for, to see a breakdown of how much this will cost on a monthly basis to pay back. You can also see how the length of time you wish to repay over affects the total cost.

Short term loan

Representative Example

Borrow £250 over 3 months with monthly repayment of £133.65 Total amount payable £400.95. Interest rate 284.76% p.a. (fixed). 1228.67% APR Representative.

Just borrow what you need

For our short term loans, you can borrow between £100 and £1000, with the option to repay over 3, 6 or 9 months depending on how much you borrow.

Approved loans are funded every hour 24/7.

We don't charge for missed or late payments, so you'll always be sure of the exact cost of your loan upfront.

If you'd like to know more about our short term loans, including short term loans for bad credit, we've added some answers to our most commonly answered questions below.

Short term loans information hub

We've answered some of the most common and important questions around our UK short term loans. Read through these before hitting apply and feel confident that you are choosing the right loan for you.

When should I consider a short term loan?

A short term loan should be used as a solution for a problem that needs resolving fast. This could be something like a family emergency or needing to pay for appliances that need repairing or replacing. It should not be used as a long-term solution to financial needs. If you need any help with your finances, we recommend you seek impartial debt advice from a not-for-profit organisation like StepChange or MoneyHelper.

Will I be accepted for a short term loan with Dot Dot Loans?

We aim to provide an instant decision on your application and our affordability checks help to confirm that your short term loan will be manageable.

Unfortunately, we can't say yes to everyone. However, we will take into account all of your circumstances and won't rule you out just because of imperfect credit history.

Can I get a short term loan with bad credit?

You can get a loan with bad credit, however you will find that the amount you are able to borrow may be affected by your credit score and history. Find out more about our bad credit loans in this handy guide.

How does my credit score affect my application?

Your credit score is a useful number that gives you an impression of how a lender may view an application you make to them. It considers information such as court records, electoral roll information, the number of other searches on your file, addresses you're linked to, bank accounts, loans, mortgages, utilities, mobile phone contracts and repayment history.

However, while it's useful to check your credit score to understand how your financial history stacks up, it's important to remember that this number is only an impression of how a lender may view you. Each credit reference agency uses their own credit scoring system to show you how good or bad your score is in their eyes, and they interpret information differently. When you apply to a lender, they will analyse the information in your credit history, rather than the credit score itself, to assess your application.

A less-than-perfect credit score won't necessarily exclude you from being able to borrow from a short term lender. Even if you have some financial history that could be viewed as unfavourable, our short term loans could still be an option for some borrowers.

How do I apply for a short term loan?

Applying for one of our short term loans is quick and easy. Just fill in our online application form, providing us with details such as your name, date of birth, address, bank and employment details, plus income and expenditure information.

We will then carry out an initial affordability check, to reassure both us and you that your loan will be manageable. This 'soft' check will not be visible on your credit file.

Our checks will only become visible on your credit file if you are initially approved and go on to finalise the loan.

Find out more about how to apply for a Dot Dot loan on our handy webpage. Representative 1228.67% APR.

Comments from Dot Dot Loans customers

We love to receive feedback from our customers and we're proud to be rated 'Excellent' on Trustpilot! You can read our testimonials here.

Got everything you need?

If you have any additional questions regarding our short term loans or the application process, please visit our FAQs for 24 hour information.

If you feel confident that one of these loans is right for you, simply hit the button below to start your application form. Remember to carefully review your circumstances before doing so. Alternatively, you can contact us and one of our friendly team will be happy to help.

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Our customers rated our service as excellent

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 1228.67% APR

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Short-term loans: 1228.67% APR Representative