Loans from £100 to £5,000 | Dot Dot Loans

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. Dot Dot Loans is a credit broker, not a lender.

Dot Dot Loans
Loans £100 to £5,000 Get my quote
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Loans from
£100 to £5,000

Get a no obligation personal loan quote in minutes.

2-minute form No documents needed

How much would you like to borrow?

Set your amount and term, then get your personal loan quote. No commitment.

£ 1,500
£100£5,000
18 months
3 months36 months
Apply to borrow
£1,500
Repaid over 18 months
Representative monthly repayment £133.84
Representative APR 79.5% (Variable)
Get my quote
Soft search, no impact on your credit score

A soft search does not affect your credit score. A hard credit search is only carried out when you formally apply to a matched lender, and that can affect it.

Representative APR 79.5% (Variable)

We are a broker, not a lender. We work with a panel of lenders and brokers. Rates from 12.9% APR to 1721% APR. Minimum Term 3 months. Maximum Term 36 months. Representative Example: £1,000 borrowed for 18 months. 17 monthly repayments at £87.22, final repayment of £87.70. Total amount repayable £1,570.44. Interest total £570.44. Annual interest rate 59.97% (fixed). Representative APR 79.5% (Variable). ^Subject to lender approval. Any representative monthly repayment shown is for illustration only, based on our representative APR. Your actual repayments will be confirmed by the matching lender if your application is approved.

Finding personal loan options through Dot Dot Loans

Three simple steps from a soft search to a matched lender, with no impact on your credit score.

Step 1

Soft search eligibility check

A soft search finds your match. Only you can see it, and it won't affect your credit score.

Step 2

Search multiple lenders

One short form searches our whole panel, so you compare options without applying separately.

Step 3

See your matches instantly

We send your details to our lenders instantly. If there is an offer, we take you straight there.

9:41
Dot Dot Loans

Soft search only

We check your eligibility without affecting your credit score. Only you can see it.

Loan amount£1,500
Repaid over18 months
Check my eligibility

Searching our panel

Matching you across FCA authorised UK lenders.

A
Lender A
Match found
B
Lender B
Match found
C
Lender C
Match found
D
Lender D
Searching...

You may be matched

If eligible, you may be matched with a lender who can consider your application.

You could borrow
£1,500
Monthly
£133.84
Term
18 mo
APR
79.5%
View your offer

Being matched with a lender does not guarantee you will be accepted for a loan. Any offer is subject to the lender's own affordability and credit checks, and the rate, amount and term you are offered may differ from the examples shown here. Dot Dot Loans is a credit broker, not a lender, and does not make lending decisions. Representative APR 79.5% (Variable).

Other loan types

Explore the kind of borrowing that fits your situation.

Loans for bad credit

A less than perfect score doesn't rule you out. We look at the bigger picture.

Short term loans

Borrow for the near term and pay it back over 3 to 12 months.

Payday loans

A small advance to bridge the gap until you're next paid.

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.

FCA authorised and regulated

Authorised and regulated by the Financial Conduct Authority under firm reference 919697, so you're dealing with a regulated credit broker.

No mark on your credit file

We use a soft search to find your match. It's only visible to you and never affects your credit score.

Always free to use

There are no broker fees, ever. Our service is free to use. We may be paid a commission by the lender or broker we introduce you to. See how we make money.

Your data stays protected

Registered with the ICO under reference ZB537016. Your details are handled securely and in line with UK data protection rules.

Original research

Dot Dot Loans in the first half of 2026

First party data from 196,367 real loan applications, not surveys or estimates. Read the Borrowing Barometer ›

196,367
applications received
~1,085
applications a day
157,876
people used Dot Dot Loans

What to expect when you borrow

Find personal and short term loans from a panel of FCA authorised UK lenders and brokers, all from one short form.

£100 to £5,000
Borrow what you need
3 to 36 months
Flexible repayment terms
One short form
See the whole panel at once
Clear total cost
Shown in full before you proceed

Borrowing should always be affordable. Take a moment to check the repayments fit your budget before you apply.

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 and brokers with one short form and a soft search that does not affect your credit score.

Browse by amount
Browse by type
Same day loans› Instalment loans› Emergency loans› Long term loans› Bad credit loans› Direct lender loans› No guarantor loans› Loans on benefits› Guarantor loans› No credit check loans› Cash loans› Fast loans›

Loan guides

Loans for bad credit

A less than perfect score does not rule you out. See how it works.

Read guide
Payday loans

A small advance to bridge the gap until you are next paid.

Read guide
Same day loans

How same day funding works and what affects the timing.

Read guide
Short term loans

Borrow for the near term and repay over 3 to 12 months.

Read guide
Emergency loans

Options when a cost cannot wait, from a soft search to funds.

Read guide
£1,000 loans

What a £1,000 loan costs and how to apply online.

Read guide
Small loans

Borrowing a modest amount, usually between £100 and £1,000.

Read guide
Long term loans

Spreading repayments over a longer term to lower the monthly cost.

Read guide
Loans on benefits

How lenders consider benefit income when you apply.

Read guide
View all guides

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.

Affordability

Lenders weigh your income against your regular outgoings to check the repayments are comfortable for you.

Credit history

Your track record of managing credit matters, though some lenders will consider a less than perfect history.

A stable income

A regular, verifiable income helps lenders see that the repayments are sustainable over the term.

Existing commitments

Current loans, cards and other commitments are taken into account alongside the new repayments.

One search compares the whole panel

Rather than applying to lenders one at a time, a single soft search checks our panel of FCA authorised lenders and brokers at once. That can help you find a lender able to accept you sooner, without leaving a trail of hard searches on your credit file. Being matched is not a guarantee of approval.

Check my eligibility

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 12.9% 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.

Paul Gillooly
Written and reviewed by Paul Gillooly
Director of Dot Dot Loans · 15 years in UK credit broking · Last reviewed June 2026