Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk


Representative Example

£300 loan repayable over 6 months at £93.58 per month, Rate of interest 237.25% p.a. fixed; Representative 754.5% APR, Total Amount Payable is £561.46

Application FAQs

How quickly will I get my loan?

Loans are funded three times a day on Monday to Friday. If you've applied after 3.30pm, your loan will be funded at the first funding time on the next business day.

If you apply before 9:30am, your loan will be transferred before 11:30am. If you apply before 12pm, your loan will be transferred before 2pm. If you apply before 3:30pm, your loan will be transferred before 5:30pm.

How much can I apply for?

New customers can apply to borrow up to £600. Customers who've had loans with us before may be eligible to borrow up to £1250.

As a responsible lender we always make sure you meet our lending criteria, and conduct credit and affordability checks for each loan – to help make sure you don't get yourself into any difficulty.

Will I be credit checked when I apply?

Yes - every application we receive is credit checked. We want to make sure your loan is right for you - we take responsibility seriously.

Can I find out if I've been approved without a credit search?

No – a credit search is necessary in order for us to make a decision on your loan, find out why here. All applications are subject to a credit check and affordability assessment.

Am I eligible for a Dot Dot Loan?

Eligibility will depend on your personal circumstances, but to apply you need to be:

  • Over 18 years of age

  • A UK resident

  • Minimum income of £14,400 per year

  • Not self-employed

To complete your application you'll also need:

  • Valid email address and mobile number

  • Home address details for the last 3 years

  • Bank account and debit card info

Will I need to send in any paperwork?

In some cases we may ask you for additional supporting documents.

What do I do if I don't receive my loan?

Give us a call on 0333 240 6215 and we’ll take a look at the issue for you.

Why do you need to verify my income?

Because we’re a responsible lender, we always verify your income and expenditure. It helps us ensure the loan we offer is right for you, and won’t get you into any difficulty.

I have a bad credit score, can I get a loan?

Unfortunately we can't answer that, as it's all down to the individual. We don't expect people to have a perfect history and we take various criteria into account when approving a loan, but we do conduct credit and affordability checks and these give us a final decision.

What happens if my application is declined?

You'll need to wait an additional 90 days before you can reapply.

Can I get a loan if I do not own my own home?

You don’t need to be a home owner to get a loan from Dot Dot. We conduct credit checks and take your income and expenditure into account and base our decision on this.

What's the difference between a direct lender and a broker?

Dot Dot Loans is a direct lender – this means that you apply straight through us and we lend funds directly to you - your details won’t be passed to anyone else. A broker passes your details on to the companies they work with in order to find you a deal on any credit you need; they don’t lend money themselves but might work with companies that do.

Why have I been asked to send in supporting documents?

Sometimes we need extra documents to help us to make our lending decisions.