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FAQs

Representative Example

Borrow £300 over 3 months with monthly repayment of £153.63. Total amount payable £460.89. Interest rate 292% p.a. (fixed). 1255% APR Representative.

Application FAQs

How quickly will I get my loan?

Loans are funded three times a day Monday to Friday and twice on Saturdays and Sundays.

If you're approved before 9:30am, your loan will be transferred before 11:30am. If you're approved before 12pm, your loan will be transferred before 2pm. If you're approved before 3:30pm, your loan will be transferred before 5:30pm. If you're approved after 3.30pm on a weekday or after 5pm on a weekend, your loan will be funded on the next day.

How much can I apply for?

Customers can apply to borrow up to £1000.

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. As a responsible lender we always make sure you meet our lending criteria and conduct credit and affordability checks for each loan.

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 application, 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

  • Not self-employed

To complete your application, you'll also need:

  • Valid email address and mobile number

  • Home address details

  • Bank account and debit card details

Will I need to send in any paperwork?

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

Why do you need to verify my income?

Because we're a responsible lender, we always verify your income and expenditure to help ensure any loan offer is affordable.

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

We make our decisions on a case by case basis. We don't expect people to have a perfect credit history and we take various criteria into account when considering an application in order to make lending decision.

What happens if my application is declined?

This means on this occasion we've been unable to offer you a loan, as your application did not meet our lending criteria. If your circumstances change, you're welcome to reapply after 30 days.

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 can apply directly to us and, if approved, we'll send the funds straight to your bank account. Rather than lend you the money themselves, a broker passes your details on to third parties who may be able to offer you a loan that meets your needs.

Why have I been asked to send in supporting documents?

Sometimes we need extra documents to help us to make our lending decisions. For example, we may need some further information to support your stated income and expenditure or might need you to send us proof of your ID. We always try to keep these requests to a minimum

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.

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