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£400 Loans

Broken down boiler? Car repairs? Unexpected bills happen at the worst time and it can be tricky trying to find a large sum of money at short notice; a £400 short-term loan from Dot Dot Loans could help you out though.

Borrow £400 from Dot Dot Loans

Use our loan calculator to work out how much you will need to pay back each month and the interest rate for the amount you want to borrow.

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.

Am I eligible for a £400 loan?

We want to make sure that our £400 loans are accessible to you when you need it most. That's why, as a responsible lender, we set out the criteria so you can easily see if you're eligible. The criteria for this type of short-term loan is:

  • You're aged 18 or over
  • You live in the UK and can give us an address
  • You can provide us with a phone number and email address
  • You can give us your bank and debit card details

We'll also look at your credit history and finances before making our decision.

How do our £400 loans work?

You can apply for a £400 loan using our easy online application form. When you apply you will need a valid email address, mobile number, home address information for the last 3 years and your bank account and debit card details.

Our £400 loans come with repayment options over 3 or 6 months, to get started with your application click here.

Can I get a £400 loan today?

Approved loans are funded every hour 24/7.

Credit checks for a £400 loan

At Dot Dot Loans, we take our duty as a responsible lender seriously, which is why we carry out credit and affordability checks on every applicant.

We will initially carry out a 'soft' credit search so we can get a rough idea of your financial history, this search is visible to you but not other lenders and organisations. If we approve your application and you accept our loan offer, we will then carry out a 'hard' search, which will appear on your credit file.

From start to finish we will be open and honest with you about all the charges and the interest rate on your loan. You will see a clear breakdown of all the costs, and as we never charge for late payments the total cost will never change.

Take a look at our loan calculator to find out more about our loans.

What is the best £400 loan for me?

If you’re looking for the best UK loan option for you, below we have a breakdown of monthly payment options depending on your repayment period.

We do consider applications with a less than perfect credit score. If you are looking for the best loan for bad credit for you, we could help, subject to affordability.

If you can see an option below that looks good for you, great! You can apply using the button below. Got any more questions? Feel free to contact us.

Compare your £400 loan options

Paying back over 3 months 6 months
APR 1181.5% 1188%
Credit charge £205.91 £392.54
Monthly repayments £201.97 £132.09
Total to pay £605.91 £792.54
Paying back over APR Credit charge Monthly repayments Total to pay
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400 pound loans FAQs

Question Answer

What repayment periods are available with a £400 loan?

Customers can borrow £400 over 3 or 6 months. Our short-term loan calculator allows you to apply for a loan over different periods of time to give you flexibility on your repayment amount and giving you a repayment option that you are most comfortable with.

Can I get a £400 loan with a bad credit history?

You don't need a perfect credit history to be approved for a £400 loan. As part of our decision process we conduct credit and affordability checks to make sure the loan is right for you. You can find out about our loans for bad credit here.

I am an existing customer, how do I apply for another loan?

As an existing customer with an active loan, you may be eligible to take out a new loan with us once you’ve repaid your existing one. This is not a guarantee, however, and how much you may be able to borrow as an existing customer depends on your individual circumstances.

If you’ve settled your existing loan, you can apply via the Dot Dot online portal. Simply log in and select the 'New Loan' tab and then click apply now to start your application. Some of your details will already be pre-populated, please check they’re correct before continuing with your application.

Always consider the cost of further borrowing, whether it is affordable (particularly if your circumstances change), and whether you will be able to maintain other debt repayments.

Can I apply for a loan whilst on benefits?

Yes. For our short-term loan products, we accept applicants who use benefits as their primary source of income, subject to affordability checks. You can read more about applying for a loan on benefits on our blog.

Borrow £400 from Dot Dot Loans

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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

Short-term loans: 1228.67% APR Representative