How we make money | Dot Dot Loans

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. Dot Dot Loans is a credit broker, not a lender.

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How we make money

Full transparency on how Dot Dot Loans makes money. Our loan matching service is free for you to use. We may receive a commission from a lender if we match you with them and you take a loan.

Last updated 3 July 2026 PJG Financial Limited, FRN 919697
The key facts
Our loan matching service is completely free for you
We are paid a commission by the lender, never by you
We only earn it if you are matched and take a loan
Commission may vary by partner and product

1. Our service is free to use

Getting a quote, comparing lenders and being matched through Dot Dot Loans is completely free. We never charge you a fee to use the service, and you will never pay us anything directly, at any stage.

2. How we earn our money

Dot Dot Loans is free for customers to use. We do not charge you a broker fee. We may receive commission from lenders, credit brokers or finance partners if you are accepted or proceed with a loan. Commission may vary by partner and product. We aim to match customers based on eligibility, lender criteria, affordability, product suitability and partner availability.

3. What this means for what you pay

The commission is paid to us by the lender, not added to your loan. Any interest and charges on your loan are set by the lender, and you are shown the full cost before you agree to anything. You never pay Dot Dot Loans a fee, whether or not you decide to go ahead.

4. How much we receive

The amount we are paid can vary depending on the lender and the type of loan, and it may be a set fee or a percentage of the amount borrowed. If you would like to know what we would receive for a particular introduction, just ask and we will tell you.

5. Commission and disclosure

Commission may vary by partner and product. Where the law requires it, you can ask us for information about the commission relating to your introduction, and we will provide it.

6. We never ask for upfront fees

We will never contact you to ask for a payment up front to release a loan. If someone does this while claiming to be Dot Dot Loans, it is not us and you should not pay. Please report it to us through our Contact page.

Dot Dot Loans is a trading name of PJG Financial Limited, authorised and regulated by the Financial Conduct Authority for credit broking. FCA reference number 919697. ICO registration ZB537016. Representative Example: £1,000 borrowed for 18 months. 17 monthly repayments at £87.22, final repayment of £87.70. Total amount repayable £1,570.44. Interest total £570.44. Annual interest rate 59.97% (fixed). Rates from 12.9% APR to 1721% APR. Minimum Term 3 months. Maximum Term 36 months. Representative APR 79.5% (Variable).