Some lenders may consider applications from people with poor or limited credit histories, but approval is never guaranteed and depends on the lender’s individual checks and affordability criteria. Dot Dot Loans is a credit broker — we pass your details to lenders on our panel who make their own independent lending decisions.
We are Dot Dot Loans
We’re changing how people find loans!
Dot Dot Loans is a UK based loan broker working with direct lenders and other brokering partners to help people looking to borrow up to £5,000 find a suitable loan efficiently.
Frequently asked questions (FAQ)
Who can apply for a payday loan through Dot Dot Loans?
You must be a UK resident aged 18 or over with a current bank account in your name to use our service. Dot Dot Loans is a credit broker — we share your details with lenders on our panel, and each lender will assess your application independently and decide whether to offer you a loan. Meeting the basic criteria does not guarantee approval.
Do you perform credit checks?
Dot Dot Loans does not carry out hard credit checks. When you use our service, lenders on our panel may carry out a soft credit search to help assess your eligibility, which will not affect your credit score. If you choose to proceed with a lender, they will perform a full hard credit check as part of their application process.
How much can I borrow?
The amount you may be offered depends entirely on the individual lender and your personal circumstances. Lenders on our panel typically consider short-term loans from £100 up to £5,000, but approval and loan amounts are subject to their own affordability checks and criteria. Dot Dot Loans is a credit broker and does not decide how much you can borrow.
Can people with a bad credit score get a payday loan?
Are there any hidden charges of fees?
No. Dot Dot Loans is a free-to-use credit broker and we never charge you for our service. If you choose to take out a loan, you will only repay the lender according to the terms set out in your loan agreement.
Will applying for a payday loan affect my credit score?
Checking your eligibility through Dot Dot Loans will not affect your credit score because lenders only carry out a soft credit search at this stage. If you choose to proceed with a lender and submit a full application on their website, they will perform a hard credit check, which may be recorded on your credit file.
Is my personal information safe?
Yes. Dot Dot Loans takes data protection seriously and uses secure systems to protect your personal information. Your details are only shared with lenders and relevant regulated partners for the purpose of processing your enquiry, in line with our Privacy Policy and UK data protection laws.
How Long Does It Take to Receive the Funds?
If a lender approves your application and you choose to proceed, some lenders may send funds on the same day if your application is approved. Transfer times vary by lender and bank, and are not guaranteed.” This conveys variability without over‑selling speed.