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Repaying your loan FAQs

How do you collect repayments?

We'll collect repayments directly from your nominated bank account each month on an agreed date via Direct Debit or Continuous Payment Authority. If you need to discuss alternative payment methods, please get in touch with us.

Can I choose the repayment date?

When you make your repayments depends on when you get paid. We’ll ask you for this date when you apply and, if you’re approved, we’ll set your repayments up to match this.

What is Continuous Payment Authority?

This is one of the methods we use to collect repayments and allows us to take recurring payments from your account on an agreed date – once you have given us permission to do this.

Can I change my repayment date?

If your pay date changes contact us and we'll be able to discuss moving your repayments in line with your new pay date.

Can I make a one-off repayment?

Yes – you can do this by giving us a call and we'll take a payment over the phone.

What should I do if I can't make a repayment?

If you don't think you'll be able to make a repayment please get in touch as soon as possible and let us know and we'll be happy to discuss your options.

We don't charge any missed or late payment fees, but not making your payments in full and on time could affect your credit score, so it's best to keep us in the loop.

How do I change my bank or debit card details?

Just give us a call and we'll get these changed for you.

Can I apply for an additional loan?

Once you've paid off your existing loan you may be eligible to apply for another. All applications are subject to a credit check and affordability assessment. To apply for an new loan, simply log in to the Dot Dot customer portal to start your application. Please do not apply directly via the homepage, as any existing customers applying for a further loan in this way will automatically be declined. If you haven’t yet registered for the Dot Dot customer portal, you can register here.

Can I have more than one loan at once?

We only allow customers to take out one Dot Dot loan at a time - it's part of our commitment to responsible lending.

Can I pay my loan off early?

Yes – get in touch if you want to pay your loan off early and we’ll let you know what you need to pay. You may be entitled to a rebate of interest.

How do I update my contact information?

Please contact us and we'll amend your contact details for you.

Where can I get debt advice?

National Debtline, StepChange and Christians Against Poverty all provide free debt advice. Alternatively, you may want to contact your local Citizens Advice Bureau.

Short term loan

Representative Example

Borrow £300 over 6 months with monthly repayment of £92.97. Total amount payable £557.82. Interest rate 237% p.a. (fixed). 757.7% APR Representative.

Long term loan

Representative Example

Borrow £2500 over 24 months with monthly repayment of £198.68. Total amount payable £4768.25. Interest rate 71.1% p.a. (fixed). 99.9% APR Representative.

Loans from £200 to £1000

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Representative 757.7% APR

Loans from £1500 to £4000

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Representative 99.9% APR

Short-term loans: 757.7% APR Representative Long-term loans: 99.9% APR Representative