Borrowing, made clearer | 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.

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Borrowing, made clearer

Dot Dot Loans is a free to use personal loan matching service. One soft search shows you which FCA authorised UK lenders are likely to say yes, before you apply.

FCA authorised broker Soft search first Free to use

What we do

Dot Dot Loans is run by PJG Financial Limited, an FCA authorised credit broker. One short form runs a soft search across our panel of FCA authorised UK lenders and brokers, so you can see who is likely to accept you before you formally apply. Loans range from £100 to £5,000, repaid over 3 to 36 months.

We are a broker, not a lender, so the lender you are matched with always makes the final decision and sets your rate. What we promise is a clear, honest search: no fees, no pressure and no mark on your credit file for checking.

Soft search first

Checking your eligibility never affects your credit score. Only you can see the search.

Clear costs upfront

You see the rate, the monthly repayment and the total repayable before you commit.

Free help signposted

If borrowing is not the right answer, we point you to MoneyHelper and other free, impartial support.

How we make money

Our service is completely free for you to use. When a loan completes, the lender pays us a commission. That commission never changes the rate you are offered, and we never charge you a fee or take anything from your loan.

Who we are

Paul Gillooly
Led by Paul Gillooly

Paul founded PJG Financial Limited, the company behind Dot Dot Loans, and has 15 years in UK credit broking. He writes or reviews every guide we publish, and his commentary on personal finance appears in the national press.

More about Paul
Dot Dot Loans is a trading name of PJG Financial Limited, which is authorised and regulated by the Financial Conduct Authority for credit broking and insurance broking. FCA reference number 919697. ICO registration ZB537016.

See what you could be offered

Check your eligibility with a soft search. It won't affect your credit score, and matching takes about two minutes.

Get my quote 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). Rates from 12.9% APR to 1721% APR. Minimum Term 3 months. Maximum Term 36 months. Representative APR 79.5% (Variable)