Payday loans from £100 to £5,000

To qualify for a UK payday loan, you must meet the following requirements:

• Be at least 18 years old.
• Reside in the UK.
• Have a regular income (e.g., from employment or benefits).
• Have a valid UK bank account to receive funds and make repayments.
• Able to provide contact details like a phone number and email address.

Payday loans are often accessible to people with poor credit histories, but lenders will assess affordability before approval.

However, you might be denied if you don’t have proof of income, have a lot of outstanding debts, or fail to meet the eligibility criteria.

Payday loans are for short term financial needs and come with higher interest rates than traditional loans.

Before applying, consider if you are able to repay on time and consider alternatives like credit union loans or borrowing from family.

Dot Dot Loans will carry out a soft credit check to assess your eligibility.

A soft credit check won’t affect your credit score and helps us match you with a suitable lender based on the details you provide.

If you choose to proceed with a loan, the lender will run a hard credit check as part of their approval process.

This will be recorded on your credit file and could impact your credit score.

We believe in being upfront, so you’ll always know what to expect before moving forward.

With Dot Dot Loans you could apply to borrow from £100 up to £5,000, giving you flexibility to meet your financial needs.

The amount you can borrow depends on your personal circumstances such as your income, outgoings and credit history. Repayment terms are available from 3 to 36 months so you can choose a schedule that works for your budget.

Smaller loan amounts may come with shorter repayment periods, while larger loans can often be spread over longer terms to help make monthly repayments more manageable.

We work with trusted lenders who will assess your application and confirm the amount and terms available to you. Our service is designed to match you with a suitable option based on your requirements.

Before taking out a loan it is important to check that the repayments are affordable for you. We support responsible borrowing and provide clear information so you can make informed decisions with confidence.

Yes. Some lenders may still consider your application even if you have a poor or limited credit history. Payday loans for bad credit are designed to give quick access to cash in emergencies.

What do lenders look at?
Traditional loans often rely heavily on your credit score. Payday lenders are more likely to focus on whether you can afford to repay. They may look at your income, outgoings and employment status.

What should I be aware of?
If you have a bad credit score you may be offered higher interest rates or stricter terms because lenders see these loans as higher risk. Always make sure the loan is affordable before committing.

Are there alternatives?
If a payday loan is not right for you, you could consider other options such as credit unions or budgeting loans.

Borrow responsibly
Only borrow what you can afford to repay and explore all of your options before taking out a loan.

Do I pay a fee to use Dot Dot Loans?
No. We do not charge you a fee for using our service. Instead, we may receive a commission when we introduce you to a lender.

What about the lender’s fees?
Any charges you pay will come directly from the lender. These could include interest on the loan or late payment fees if you miss a repayment.

Will I know the costs upfront?
Yes. All costs will be set out clearly in your loan agreement before you sign. Take time to read the terms and conditions carefully so you understand exactly what you are agreeing to.

Borrow with confidence
We want you to feel informed and in control. Always check the details of your loan and make sure the repayments fit your budget.

It depends on the type of credit check carried out.

Soft credit checks
When you use Dot Dot Loans to get a quote we run a soft credit search. This does not affect your credit score and only you can see it on your credit file.

Hard credit checks
If you go ahead and accept a loan offer the lender will carry out a hard credit check. This is recorded on your credit file and may cause your score to dip temporarily. Other lenders can see this search.

Repaying on time
Making repayments in full and on time can help you keep your credit score steady and may even improve it over time.

The cost of a payday loan depends on the amount you need, the interest rate of the lender you borrow from, and how long you need the money for. Payday loans are typically short term, so interest is generally charged daily rather than monthly (with a 0.8% cap per day).

Lenders on our panel have interest rates ranging from 48.1% APR to 1721% APR. Our representative APR is 79.5%. This means 51% or more of people who successfully find a loan with Dot Dot Loans get a loan with an APR of 79.5%.

At Dot Dot Loans, we show you a clear breakdown of all costs upfront before you decide to go ahead. There are no hidden fees with us, and you’ll always know the total amount repayable in advance of being able to proceed with your application.

Payday loan interest is capped by the Financial Conduct Authority (FCA). This means:

• You will never pay more than 0.8% interest per day

• Total repayment (including interest and fees) is capped at 100% of the loan

• A maximum default fee of £15 can be charged if you miss a payment

You should always check the representative APR and ensure you can afford to repay the loan before applying. If you’re not sure, consider speaking to a regulated debt advice service before borrowing.

We aim to make the process as simple and fast as possible.

Same-day transfers
If your application is approved by a lender you could receive the money the same day. In many cases funds arrive within minutes or a few hours, although this is not guaranteed.

What affects the timing?
The exact speed depends on the lender’s processes and your bank’s policies. Applications approved late in the day or over a weekend may be paid the next working day.

Tips for faster processing
To avoid delays, make sure the information you provide is accurate and complete. This helps the lender verify your details quickly.

Our commitment
We want you to get access to your money as soon as possible while ensuring transfers are carried out securely and reliably.

Dot Dot Loans are based in the United Kingdom and offer a 24/7 online service nationwide. You can apply for a loan on our website from anywhere in the UK at any time.