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Affordability Check

Our loans could help you pay for those unexpected expenses, whatever they may be. As we are a responsible lender we conduct affordability checks for every loan, even if you are an existing customer.

We treat all our customers fairly because you are important to us, if it’s your first loan or you’re an existing customer we’re here to help you along the way.

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What is an affordability check?

Once you have applied for one of our cash loans we will conduct an affordability check before we approve the loan. An affordability check is the assessment we carry out to establish whether the loan repayments are affordable over the term you have applied for.

How am I assessed?

We make sure all our loans are affordable, sustainable and suitable for our customers before approving them. The repayments need to be affordable on top of your current outgoings. This is also referred to as a creditworthiness assessment.

As part of the process we may ask to see some of your documents, such as a bank statement or wage slip. This will confirm the information you have already provided and combined with your credit history will determine the amount you can borrow from Dot Dot Loans. Any documents that you do share with us, will be treated confidentially and only used as part of this affordability assessment.

What if I fail the affordability check

If the affordability check reveals that the loan is not affordable, then we will be unable to offer you a loan. In some circumstances we may offer you a smaller loan with lower repayments, however this is not always possible. If your financial circumstances change, you are welcome to reapply after 30 days.

Can I apply for a loan with bad credit?

If you need a loan but you’ve had credit problems in the past, we know it can be difficult trying to obtain one. At Dot Dot Loans we carefully evaluate each application, this means if you’ve got a less than perfect credit history, your application will still be considered.

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How it works

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Approved loans are funded every hour 24/7 No hidden fees or costs Less than perfect credit accepted UK based Customer Service Team

Loans from £100 to £1000

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Representative 824.7% APR

Loans from £1500 to £5000

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Representative 79.4% APR


Short-term loans: 824.7% APR Representative