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Main pages

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HomeHomepage, loan calculator and how borrowing works. Get my quoteStart a soft search quote in about two minutes. Loan GuidesBrowse every guide, grouped by topic. About UsWho we are and how we work as a broker. ContactWays to reach the Dot Dot Loans team. Our authorPaul Gillooly, who reviews our guides. Our methodologyHow we research, write and check our guidance.

Insights

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Borrowing BarometerOur analysis of 196,367 loan enquiries in the first half of 2026.

Loan amounts

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£100 loansWhat a £100 loan costs, and how to apply. £200 loansWhat a £200 loan costs, and how to apply. £300 loansWhat a £300 loan costs, and how to apply. £500 loansWhat a £500 loan costs, and how to apply. £600 loansWhat a £600 loan costs, and how to apply. £1,000 loansWhat a £1,000 loan costs, and how to apply. £1,500 loansWhat a £1,500 loan costs, and how to apply. £2,000 loansWhat a £2,000 loan costs, and how to apply. £3,000 loansWhat a £3,000 loan costs, and how to apply. £4,000 loansWhat a £4,000 loan costs, and how to apply. £5,000 loansWhat a £5,000 loan costs, and how to apply.

Guides

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How much can you borrowHow much you can borrow from £100 to £5,000, and what decides it. How online loans workFrom a quick quote to funds in your account. What is a direct lenderThe difference between a direct lender and a broker. Soft vs hard credit checksWhat each search means for your score. Understanding APRHow to read representative APR and the true cost. How to apply for a loanThe steps from a soft search quote to funds. What you need to applyThe details to have ready before you start. Why applications get declinedCommon reasons for a no, and how to improve. Short term loansBorrowing for the near term over 3 to 12 months. Long term loansSpreading repayments for a lower monthly cost. Instalment loansRepaying in equal instalments each month. Same day loansHow fast funding works and what affects timing. Emergency loansOptions for when an unexpected cost cannot wait. Payday loansA small advance until you are next paid. Bad credit loansBorrowing with a less than perfect credit history. No guarantor loansBorrowing in your own name, no guarantor needed. Loans on benefitsHow benefit income counts towards affordability. Self employed loansShowing income when you work for yourself. Cash loansA personal loan paid straight to your account. Fast loansHow fast funding works and what affects speed. Easy loansA simple application with a soft search. Small loansBorrowing a smaller amount, £100 to £1,000. Doorstep loansHome credit compared with borrowing online. Logbook loansThe risks, and safer unsecured alternatives. Guarantor loansHow they work and borrowing without one. No credit check loansThe truth about no check loans, and soft search. Soft search loansCheck eligibility with no impact on your score. Loans available todaySame day funding and what affects it. 6 month loansRepay over six months with less interest overall. 12 month loansSpread over a year for a lower monthly cost. Loans on universal creditHow Universal Credit income can count. Extremely bad credit loansBorrowing with a very low score or a CCJ. Payday loans for bad creditShort term borrowing and the FCA caps. Urgent loans for bad creditBorrowing quickly when a cost cannot wait. Loans for moving houseSpread the cost of removals and deposits. Car repair loansCover an unexpected repair and spread the cost. Are payday loans bad?An honest look at the risks and alternatives. Do payday loans affect your credit?How short term loans affect your credit score.

Legal & policies

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Terms and conditionsThe terms that apply when you use our website. Privacy policyHow we collect, use and protect your data. ComplaintsHow to raise a complaint and what to expect. Responsible lendingHow we support responsible borrowing.How we make moneyFull transparency on how we are paid. Cookie policyThe cookies we use and how to manage them. AccessibilityHow we keep the site usable for everyone. Vulnerable customersExtra support if you are in a vulnerable situation.