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Soft Credit Check Loans

Looking for a soft credit check loan? If you need to borrow money for an emergency or unexpected cost, you might be reluctant to apply if you're worried about credit checks. Most lenders use them - but we start with a 'soft' credit search which won't affect your credit score.

This way, you can get an initial decision with peace of mind, whatever the outcome. You can make a soft credit check loan application with Dot Dot Loans to borrow between £100 and £5,000, repaid over 3-48 months, depending on how much you borrow.

We'll look at your income and outgoings as well as your credit score, so you can still apply for a soft search loan with bad credit.

What is a soft credit search?

There are two types of credit checks that a lender can carry out when you apply for a loan - soft and hard. Soft credit checks look at basic information and aren't visible to other lenders, whereas hard credit checks go into more detail and show up on your credit report.

Having multiple hard checks on your report could damage your credit score and make it difficult to borrow money in the future. But soft credit checks can't do either, so they're useful for finding out your chances of being approved for a loan before you apply.

Can I get a personal loan with a soft credit check?

As a responsible lender, we carry out credit and affordability checks on everyone who applies for a loan with us. a soft credit search when you first apply. This search won't be visible to other lenders on your credit report and won't impact your credit score.

We'll only carry out a hard credit check if we go on to make you a loan offer and you accept it. This means you can make a soft credit check loan application and get an initial decision without impacting your credit rating.

Are there soft search loans for bad credit?

Some loan lenders may on your credit score, which means a poor or imperfect credit history might stop you getting the money you need. But we look at factors like your income and outgoings too, so you could still apply for a soft check loan with bad credit.

What are the benefits of a soft credit check loan application?

Whether you're looking for soft search loans for good, bad or fair credit, there are key reasons why a soft search is a good idea.

  • Soft credit checks aren't visible to other lenders, so they can't affect your chances of getting credit in the future.
  • Soft credit checks can't harm your credit score, no matter how many.
  • If you do receive a loan offer after a soft search and the loan isn't right for you, you can walk away with no harm done to your credit rating.

What to consider when researching soft credit search loans

Whatever your credit rating or the application process, it's important to think carefully before borrowing money. There are a few things to bear in mind when researching bad credit loans in the UK with a soft search.

  • If you apply with a soft search and receive an initial loan offer, we'll then carry out a hard credit search if you accept it. This search will show up on your credit report.
  • A soft credit search doesn’t 100% confirm that you’ll be approved for a loan, as lenders look at other factors too.
  • Be wary of any lender offering loans with no credit check Responsible lenders use credit and affordability checks to assess whether you're likely to be able to afford their repayments.

How much can I borrow with Dot Dot Loans?

You can make a soft credit check loan application between £100 and £5,000 with Dot Dot Loans. That's enough for small emergencies like vet bills, as well as larger unexpected costs such as car repairs and boiler replacements.

View our full range of loan amounts to find an amount that suits your situation.

How do the repayments work?

You can spread the cost of our loans in monthly instalments over 3-48 months, depending on how much you borrow.

Our short-term loans of £100 to £1,000 are available with terms of 3-9 months, depending on how much you borrow. Use our short-term loan calculator below to see what terms are available for your chosen amount.

Short term loan

Representative Example

Borrow £250 over 6 months with monthly repayment of £81.41. Total amount payable £488.46. Interest rate 248.19% p.a. (fixed). 824.7% APR Representative.

If you need a larger loan, our long-term loans of £1,500 to £5,000 come with terms of 18-48 months, depending on how much you borrow. See what terms are available with our long-term loan calculator.

If you receive and accept an offer after a soft credit check for a personal loan, we'll start collecting repayments automatically via Direct Debit on an agreed date. Your interest rate will be fixed, not variable, so you'll know exactly how much to budget for each month.

We never charge late payment fees, but bear in mind that missing payments can damage your credit score. Contact our friendly team as soon as possible if you're worried about falling behind, and we'll work to set up a new repayment plan.

Do I qualify for a personal loan with a soft credit search?

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

  • You're aged 18+ for a short-term loan, or 21+ for a long-term loan
  • 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

We'll carry out credit and affordability checks before giving you a decision. But remember our initial credit search will be a soft one, so you can find out your chances of getting approved without impacting your credit score.

We look beyond your credit score too, so you could still get a loan with a soft search and bad credit depending on your affordability.

Why choose us for your soft credit check loan application?

Applying for loans when you're not sure if you'll be approved can be stressful, especially if you need the money for an emergency. But we offer an initial decision with only a soft search, so you'll know where you stand without impacting your credit score.

Here are six more reasons to feel confident in applying with Dot Dot Loans.

  • Fast: You can apply online in minutes, get a quick decision after a soft search, then receive your loan the same day (subject to affordability).
  • Honest: You'll never pay more than the amount we agree upfront as we don't charge extra fees or interest.
  • Flexible: Borrow from £100 to £5,000 and spread your repayments over 3-48 months, depending on the amount you borrow.
  • Responsible: We're authorised and regulated by the Financial Conduct Authority (FCA) and carry out credit and affordability checks to offer our customers loans they can afford, and always explain everything in clear terms.
  • Friendly: Our UK-based customer service team will be happy to help if you have any questions or issues with your loan.
  • Trusted: We've earned thousands of positive customer reviews on the independent review site Trustpilot.

We're also direct lenders of soft search loans for bad credit, so you won't be passed around and you'll always know who you're dealing with.

How to apply for a personal loan with a soft credit check

If an emergency or unexpected cost has left you short on money, we may be able to help.

Use our short-term loan calculator or long-term loan calculator to start the process. Just choose how much you want to apply for, then see what your monthly repayments and overall cost could be. Once you're happy with how your loan looks, move on to our short application . All loans are subject to affordability checks.

We'll get back to you with an initial decision. We fund approved loans 24/7. Remember: we look at more than just credit scores, so we can offer poor credit loans with a soft search in some cases.

Got a question? Check our FAQs or contact our friendly team.

Borrow from Dot Dot Loans

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

Loans from £1500 to £5000

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Representative 79.4% APR

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