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Just how do Dot Dot’s loans work?

Just how do Dot Dot’s loans work?

Our loans that are short be properly used for similar reasons as payday advances but have a reduced degree of danger.

They are all unsecured, and that means you don’t have to offer your house or other valuables to straight back them up, as you could along with other loan kinds. You may not need certainly to locate a guarantor either. Merely choose simply how much you need to borrow and find out the length of time you’ll need to repay it utilizing our loan calculator.

You will see an estimate of all of the your expenses before you use. If every thing appears good, we are going to always check things such as your credit rating, earnings and outgoings to ensure the repayments can be afforded by you.

From right right right here, we will agree all your valuable loan expenses upfront, then gather repayments immediately to save hassle. You could always always check everything online through our handy consumer portal.

It is completely normal to possess concerns with regards to cash. Check out our FAQs or contact our friendly group. They’ll certainly be pleased to assist.

Do we qualify?

If you’d like money in an urgent situation, do not assume your sole option is just a high-cost pay day loan. You can expect a kind that is different of that’s much simpler to handle. You can easily make an application for certainly one of our short-term options if:

We are going to review the job and provide you with a determination predicated on your individual situation. We do not expect everybody else to possess a credit score that is perfect. We merely attempt to provide loans which our clients are able to afford.

Simply how much can I borrow?

You can easily make an application for a short-term loan of between ВЈ200 and ВЈ1,000 with Dot Dot. That is a range that is similar most pay day loans.

You can apply for a long-term loan of between ВЈ1,500 and ВЈ4,000 if you need a higher amount. Long-term loans are usually useful for jobs such as for example house improvements or weddings. You are able to spend these straight straight back over 18 to 48 months.

Just how can the repayments work?

You are going to distribute the expense of your Dot Dot short-term loan over three, six and nine months based on just how much you borrow. Thus giving you more space to breathe than typical payday that is 30-day.

We will gather repayments straight from your own bank that is nominated account thirty days on an agreed date via Direct Debit. If you want to talk about alternative repayment methods, be sure to make contact with us.

The possibility of falling behind on your own repayments is gloomier than with pay day loans. Things can certainly still alter, but if you do not think you can spend an instalment as prepared you need to write to us as soon as feasible.

We will never ever ask you for a belated repayment charge, but missing re re re payments can harm your credit rating. All of us will allow you to find a method forward and place together a plan that is new.

What are the fees that are extra bother about?

When you experience cash concerns the thing that is last want is hidden charges and costs making your circumstances even worse. Some British payday loan loan providers utilize these to bump up the total quantity you repay – however they’re perhaps maybe maybe not us.

We are going to never ever ask you for any additional charges with this cash advance alternative, and you should understand your entire loan expenses right away.

What is the attention price?

Our interest is fixed upfront. Having a set interest means the attention you spend will not alter, whereas adjustable interest levels fall and rise from to month month.

Our fixed-rate loans are better to plan for while the quantity you repay will be the exact same.

Make an application for our loan alternative that is payday today

Do you have costs that are extra protect before your following payday? Our fast and simple loans could easily get you away from a tight spot without placing you under additional force.

Observe how much yours might cost with your loan calculator. If every thing appears good, choose ‘apply now’ to fill your application out. We will return to you asap to go on it after that. Simple.