Our methodology

Dot Dot Loans is a trading name of PJG Financial Limited, an FCA authorised credit broker. Our aim is to be a genuinely useful, trustworthy source of guidance on borrowing in the UK. This page explains how we produce that guidance and how we keep it accurate, original and compliant.

How we produce our guidance

Every guide starts with a real question people ask about borrowing. We ground the answer in data and official sources, our editorial team writes it in plain English, and it is reviewed by our Director, Paul Gillooly, who has spent 15 years in UK consumer credit. Nothing is published until it has been checked against the relevant Financial Conduct Authority rules.

• Planned around genuine questions and search demand
• Grounded in our own data and primary, official sources
• Written by our editorial team, in clear and jargon free language
• Reviewed by Paul Gillooly and checked against FCA rules
• Dated on publication and reviewed at least every six months

Our original research

Where we can, we use our own data rather than repeating figures from elsewhere. Our flagship research, the Borrowing Barometer, is based on an analysis of 196,367 UK loan enquiries received through Dot Dot Loans between January and June 2026.

That data is always anonymised and aggregated, never tied to an individual. We use it to show, for example, the most common reasons people borrow at each amount. Percentages are rounded, and we are clear about the sample and the period on every chart.

Read the Borrowing Barometer

The sources we rely on

When we quote a statistic or a rule, we cite it to a primary, authoritative source rather than a secondary write up.

Accuracy and compliance

We are a credit broker, not a lender, and we say so clearly. Guidance is checked against the FCA rules for consumer credit, including how we present costs. Where we show a rate, we display a representative 79.5% APR, and any repayment figures are clearly labelled as illustrations.

• A soft search is used to check eligibility, with no impact on your credit score
• A hard search is only carried out by a lender if you choose to apply
• We never claim loans are guaranteed, because no responsible firm can
• Figures are illustrative and your actual rate depends on the lender

Editorial independence and corrections

Our service is free to use. We may receive a commission from a lender or broker if you take out a loan after an introduction from us, but this never influences our guidance or which lenders we describe. Editorial decisions are kept separate from commercial ones.

We work hard to be accurate, and we correct mistakes quickly. If you spot something that looks wrong, please contact us and we will review it, update the guide and note when it was last reviewed.