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

Repayments and loan management FAQs

How do you collect repayments?

We'll collect repayments directly from your nominated bank account each month on an agreed date via Continuous Payment Authority.

What is Continuous Payment Authority

This is the method we use to collect your repayments and it allows us to take recurring payments from your account on an agreed date and time – once you have given us permission to do this. Rather than you having to send the money to us, we collect it from you.

Can I choose the repayment date?

The repayment date will normally be your pay date, so when you fill your information in the correct date will be selected automatically - simple.

Can I change my repayment date?

If your pay date changes contact us and we'll be able to discuss changing your repayment date. The date your repayment is taken needs to be linked to your pay date – sorry, part of the loan agreement.

Can I make a one-off repayment?

Sure – you can do this using your customer portal or you can give us a ring 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 and let us know and we'll have a chat about how we might be able to work things out.

We don't charge any missed or late payment fees, but repeatedly missing payments 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 if you want to. All applications are subject to a credit check and affordability assessment.

Can I have more than one loan at once?

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

Can I pay my loan off early?

Sure – get in touch if you want to pay your loan off early, we will let you know what you need to pay, you may be entitled to a rebate.

How can I contact you?

Our contact us page has all our contact methods on – take a look.

How do I update my contact information?

Please contact us and we'll amend them for you.

What is the customer portal?

The customer portal is an online system which helps you to manage your loan online – you'll have your own login information, so everything in there is personal to your account.

What can I do using the customer portal?

You will be able to use the portal to view your balance, see your payment profile, make a payment and view your payment history. Once your loan is paid in full, you will be able to use the portal to apply for further lending.

How do I login to the customer portal?

When you first take out a loan with Dot Dot you will receive an email with details of how to access the customer portal.

Where do I find my agreement number?

You can see this by logging in to your customer portal and it’s also on the loan agreement we have issued to you.

Where can I see my payment schedule?

If you log in to your customer portal , you can find this in the “payment profile” section.

Can I manage my loan online?

Yes, by logging in to your customer portal you can view your payment history, make a payment and see your payment profile.

How do I find my balance?

You can see this by logging into your customer portal , or you can get in touch with us and we’ll tell you your balance.

Can you resend my pin?

Give us a call on 0333 240 6215 and we can re-issue your pin to the mobile number you provided on application.

Where can I get debt advice?

National Debtline, Stepchange Debt Charity and Christians Against Poverty are some great places to go for debt advice. You may also want to contact your local Citizens Advice Bureaux.

Where can I get help to create a personal budget plan?

The money advice service can help with this – visit their website.