Rating based on 590 reviews


Dot Dot Loans

image of Dot Dot Loans
image of Dot Dot Loans

About – Dot Dot Loans

Dot Dot Loans was launched in 2017 and designed for customers who prefer a complete online lender experience that offers service which is simple, straightforward and easy to use.

We are a trading name of Shelby Finance Limited, a UK based online lending company. We’re owned by Morses Club PLC, who is one of the largest home collection lenders in the UK, with a sound history reaching back over 130 years.

What can you expect from us?

You can expect great service, convenience, responsible lending, great communication and affordable payday loans. We are not about unnecessary charges, poor service, keeping people waiting, neglecting to get back to you, or unplanned expenses.

We strive to be helpful and act fairly

Our objective is to help you out of difficulties rather than cause more difficulties, so it's important for us to make sure that you choose the right loan option or you. In addition, we make a point to provide you with helpful and straightforward information. Clear communication is provided to you every step of the way, allowing you to always make an informed decision.

Services – Dot Dot Loans

We value our customers and always treat them fairly and assist you in navigating through financial difficulties.

We offer new customers short-term loans from £200 to £600 with repayment options between 3 and 9 months. Existing customers have the opportunity to apply for higher loan value up to £1250 over a 12 months period.

We are responsible lenders

We always make sure our customers meet our lending criteria, this includes our credit and affordability checks – to make sure you don’t put yourself in a difficult financial position. Our services are straightforward, friendly and efficient. In the event your loan is approved between 8.30 and 16.30, we aim to have your funds in your bank account within one hour.

We have quick loan approvals

We strive to give you a quick decision when you apply. In the event we can't give a quick answer, we may just require some additional information from you. we only charge the interest on our loans provided we agree with you upfront. No additional charges or fees. Should you need a bit of extra help, we will work with you to agree on an affordable payment plan.

Loan Amount

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Repayment Term

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Summary of Services

  • Easy Loans
  • Payday Loans
  • Short-term Cash Loans


You don't have to be perfect to get a loan from us

We don't necessarily require you to have a perfect credit scoring in order to get a loan with us, we help clients with a bad credit history get a loan.

If you take out a loan of £300 repayable over 6 months at £94.50 per month, Rate of interest 178% p.a. fixed; Representative 976.5% APR. Total Amount Payable is £567(random capitals)

We do standard credit checks

It's our responsibility as lenders to also carry out standard credit checks on all our customers regardless if they have borrowed from us before or not. Another positive feature is we do not charge additional fees for late repayments. Customers are also given the opportunity to pay off their loans early if they wish, with no additional fees.

Choose the repayment terms

Together we will agree upon the repayment amount and schedule a due date so you know what to expect. As per the agreed-upon date, monthly repayments will be taken from your bank account. We run a credit search to check your credit history, which is a standard procedure loan application assessment. In addition, we also conduct affordability checks for each loan to ensure you don't get into any further financial difficulty.

What is a direct lender?

We are a direct lender, what this means, you can apply directly for a loan to us and we lend funds directly to you. An approved application will have the agreed amount deposited directly into your bank account.

When applying for a loan with a direct lender the application process for credit is generally very straightforward and you will have complete control over which companies your details have been submitted to. A broker may pass your details onto other companies only to try and find you the credit you’ve requested as they don’t generally lend the money themselves.

Just borrow what you need

We have clear and straightforward options for choosing an instant loan to match your needs. We offer flexible repayment periods depending on the amount borrowed. Apply online, it's simple and easy to use and get an initial decision within minutes. If approved between 8.30 and 16.30, funds could be deposited into your bank account within one hour.


Customer Reviews & Testimonials

January 2019

Their online loan system is super efficient.

John C
— Liverpool —

May 2019

Dot Dot has provided me with excellent financial service.

Tula H
— Manchester —

December 2018

Dot Dot is reliable and trustworthy, which is why I am glad I chose to go there.

Amy D
— London —

 Contact Details

Kingston House, Centre 27 Business Park, Batley WF17 9TD, United Kingdom
Ph: 0333 240 6215
Em: http://www.moneyadviceservice.org.uk/

 Opening Hours

  • Monday 08:00 – 19:00
  • Tuesday 08:00 – 19:00
  • Wednesday 08:00 – 19:00
  • Thursday 08:00 – 19:00
  • Friday 08:00 – 19:00
  • Saturday 09:00 – 14:00
  • Sunday – Closed