How much would you like to borrow?
Set your amount and term, then get your quote. No commitment.
Representative example
Representative Example: £1,000 borrowed over 18 months. Monthly repayment of £89.22. Total amount repayable £1,605.96. Interest £570.44 at an annual interest rate of 59.97% (fixed). Representative APR 79.5% (variable). Rates from 48.1% APR to 1721% APR. Minimum loan term 3 months, maximum 36 months.
Finding loan options through Dot Dot Loans
Soft search eligibility check
A soft search finds your match. Only you can see it, and it won't affect your credit score.
Search multiple lenders
One form searches our whole panel, so you see options without applying to each lender separately.
Instant lender approval responses
Submit the short form and we ping our lenders instantly. If there's an offer, we take you straight there.
You’re in safe hands
Dot Dot Loans is a fully authorised UK credit broker. Always free to use, with a soft search that leaves no mark on your credit file.
Dot Dot Loans in March 2026
These figures come from our own application data. They describe the people who applied through Dot Dot Loans in March 2026, and they do not reflect loan approvals, which are decided by the lenders on our panel.
Who applied in March 2026
More than eight in ten people who applied, around 84%, do not own their home.
See the full data and methodology →
Based on 45,285 applications submitted through dotdotloans.co.uk in March 2026. Percentages are rounded and describe people who applied, not approved borrowers.
What kinds of loan can I get?
Dot Dot Loans helps you find personal loans and other short term loans from a panel of FCA authorised UK lenders. You submit one short form, the lenders assess your application independently, and if an offer is available you are directed to the lender to review the details and decide whether to proceed.
Find the loan you're looking for
Jump straight to the amount or type of loan you need. Whichever you choose, you see options from the same panel of FCA authorised UK lenders with one short form and a soft search that does not affect your credit score.
Browse by type
Loan guides
Borrow money
How to borrow from £100 to £5,000 and what to think about first.
Online loans
Applying for a loan online, from quote to funds in your account.
Small loans
Borrowing a modest amount, usually between £100 and £1,000.
Long term loans
Spreading repayments over a longer term to lower the monthly cost.
Same day loans
How same-day funding works and what affects the timing.
What is a direct lender?
The difference between a direct lender and a credit broker.
Why choose us?
Quick and simple quote
Fill in our online form and get a quote. Giving accurate information can help lenders make a decision on your application more efficiently.
Panel of FCA authorised lenders
We work with a panel of FCA authorised lenders and brokers to help connect you with loans that may be right for you.
Transparent and secure
We aim to be clear and upfront, with no hidden fees. Your details are handled securely and in line with UK data protection requirements.
Funding times vary by lender
Some lenders may send funds the same day if approved, while others could take a bit longer depending on their own process.
What affects whether you're accepted
Dot Dot Loans is a credit broker, so the lenders on our panel make the final decision and being matched is not a guarantee of approval. A few things tend to make a difference to what they can offer.
Lenders weigh your income against your regular outgoings to check the repayments are comfortable for you.
Your track record of managing credit matters, though some lenders will consider a less than perfect history.
A regular, verifiable income helps lenders see that the repayments are sustainable over the term.
Current loans, cards and other commitments are taken into account alongside the new repayments.
Only borrow what you can comfortably repay. If money is tight, free and impartial help is available from MoneyHelper.
Frequently asked questions
Who can apply for a loan through Dot Dot Loans?
To apply you'll typically need to be 18 or over, a UK resident, have a regular income, hold a valid UK bank account and provide active contact details. Lenders on our panel carry out their own affordability checks, and meeting the basic criteria does not guarantee approval.
Do you perform credit checks?
We carry out a soft credit check to match you with suitable lenders, which does not affect your credit score and is only visible to you. If you proceed with a lender they will carry out a hard credit check as part of their decision. Dot Dot Loans does not carry out hard credit checks.
How much can I borrow?
Apply to borrow from £100 up to £5,000, with repayment terms from 3 to 36 months. The amount available depends on your circumstances, and lenders on our panel decide what they can offer based on their own affordability checks.
What can a personal loan be used for?
People use personal loans for things like an unexpected bill, a car repair, home costs, or spreading the cost of a larger purchase. Whatever the reason, only borrow what you can comfortably afford to repay and check the total cost before you apply.
Are there any hidden charges or fees?
No. Our service is completely free to use and we never charge you for searching our panel. We may receive a commission from the lender if you go ahead. Any interest or charges come directly from the lender and are shown in full before you agree.
Will applying affect my credit score?
Getting a quote with Dot Dot Loans uses a soft credit search, which does not affect your credit score. If you accept a lender's offer they carry out a hard credit check, which is recorded on your file and may temporarily affect your score.
How much does a loan cost?
The cost depends on the amount, the lender's interest rate and the repayment term. Lenders on our panel have rates ranging from 48.1% APR to 1721% APR, and our representative APR is 79.5%. You'll always see the total amount repayable before you decide to proceed.
How long does it take to receive the funds?
If a lender approves your application you could receive the funds the same day, sometimes within minutes or hours, though this is not guaranteed and depends on the lender and your bank. Applications approved late in the day or at weekends may be paid the next working day.
Written and reviewed by Paul Gillooly, Founder of Dot Dot Loans. Last reviewed June 2026.