Dot Dot Loans Uk Review: How to Apply

Dot Dot Loans Uk Review How to Apply?

Dot Dot Loans has gained attention as a potential lifeline for individuals facing credit challenges. As we go into this review, we aim to provide a comprehensive assessment of Dot Dot Loans’ offers, shedding light on its interest rates, loan terms, and how to apply. If you’re searching for a lending partner that accommodates varying financial circumstances, our analysis will help you decide whether Dot Dot Loans is the right choice for your needs.

Dot Dot Loan: Requirement

To be eligible for a Dot Dot Loans application, you should meet the following criteria:

Age Requirement

You must be at least 18 years of age, ensuring that you are legally recognized as an adult in the UK.


Dot Dot Loans is available exclusively to UK residents, so you should have a verified UK address as part of your application.

Financial Stability

You should not have declared bankruptcy or entered into any other form of insolvency arrangement to be eligible, demonstrating your financial stability.

Required Documentation

To complete your Dot Dot Loans application successfully, gather the following essential documents and information:

Contact Information

Ensure you have a valid email address and mobile number. This information is crucial for communication throughout the application process.

Residential Details

Be prepared to provide your home address details. This information helps Dot Dot Loans verify your UK residency.

Active Bank Account

You’ll need an active bank account in your name. This account serves as the conduit for loan funds deposit and repayment.

Debit Card

A debit card linked to your bank account will be required for setting up loan repayments and facilitating fund transfers.

Dot Dot Loan: Interest Rates + Example

Dot Dot Loans adopts a tailored approach when calculating interest and APR for its customers. Rather than a one-size-fits-all model, they evaluate each case individually, ensuring that borrowers receive terms that align with their specific financial circumstances.

Example 1

Imagine you need to borrow £500 for a duration of 6 months. Dot Dot Loans assesses your unique situation and offers you a fixed interest rate of 120.50% per annum, with a representative APR of 575.25%. Under these terms, your monthly installment would amount to £118.50, resulting in a total repayment of £711. This bespoke approach to interest and APR calculation enables borrowers to manage their finances effectively and responsively.

Example 2

Suppose you require a shorter-term loan of £300 for 2 months. Dot Dot Loans conducts a thorough assessment, and based on your financial profile, offers a fixed interest rate of 200% per annum, accompanied by a representative APR of 893.80%. This translates to monthly payments of £150, resulting in a total repayment of £300.50.

Dot Dot Loan: Loan Types

Bad Credit Loans

Dot Dot Loans recognizes that not everyone has a pristine credit history. Bad credit loans are designed specifically for individuals with less-than-perfect credit scores. These loans provide an opportunity for those who may have been turned away by traditional lenders to access the financial support they require. Dot Dot Loans evaluates applicants on a case-by-case basis, considering factors beyond just their credit score.

Cash Advance Loans

Cash advance loans are ideal for borrowers seeking quick access to funds. They are often used to cover unexpected expenses or emergencies. Dot Dot Loans can offer cash advance loans to eligible applicants, providing a straightforward solution to address immediate financial needs.

Christmas Loans

The holiday season can bring both joy and financial stress. Christmas loans from Dot Dot Loans offer a way to manage holiday expenses. These loans can help borrowers purchase gifts, plan festive gatherings, or handle any additional costs that arise during this special time of year.

Debt Consolidation Loans

Managing multiple debts can be challenging and expensive. Debt consolidation loans from Dot Dot Loans allow borrowers to combine their existing debts into a single, more manageable loan. This simplifies monthly repayments, potentially reduces interest rates, and helps borrowers regain control of their finances.

Emergency Loans

Unforeseen emergencies can create financial strain. Dot Dot Loans provides emergency loans to help individuals navigate unexpected expenses, whether it’s medical bills, home repairs, or car maintenance. These loans offer a safety net during challenging times.

Guarantor Loans

For individuals with poor or non-existent credit histories, obtaining a loan can be particularly challenging. Dot Dot Loans addresses this issue with guarantor loans. A guarantor is a second person who commits to repaying the debt if the primary borrower becomes unable to make repayments. This added layer of security reduces the lender’s risk, making it more likely for the application to be accepted. Guarantor loans can be a valuable tool for those looking to build or rebuild their credit.

No Guarantor Loans

Dot Dot Loans also offers loans without the requirement of a guarantor. These loans are suitable for borrowers who may not have someone willing or able to act as a guarantor. While interest rates may vary, these loans provide an option for those who prefer not to involve a third party in their borrowing arrangements.

How to Apply To Apply For Dot Dot Loan

Online Application

Initiate the process by visiting Dot Dot Loans’ official website. There, you’ll find a simple and user-friendly online application form. Complete this form by providing the necessary information, such as your personal details, loan amount, and desired repayment period. This initial step sets the foundation for your loan request.

Instant Approval

After submitting your online application, Dot Dot Loans employs a rapid approval process. Within minutes, you’ll receive an initial approval decision. This quick response time helps you gain immediate insight into the status of your loan application.

Verification and Confirmation

In some cases, Dot Dot Loans may contact you to verify certain details or request additional information. This step ensures that your loan terms are tailored to your specific financial situation. Otherwise, you may be prompted to proceed with reviewing and accepting the terms of the loan agreement.

Fast Funds Disbursement

Once your loan is fully approved and all necessary details are confirmed, Dot Dot Loans takes swift action to transfer the approved loan amount to your designated bank account. Remarkably, you could see the funds deposited into your account within as little as an hour, providing you with rapid access to the financial support you need.

Repayment Agreement

As part of the loan application process, Dot Dot Loans will establish a clear and agreed-upon repayment schedule with you. This includes specifying the monthly repayment amount and the date on which payments will be due. It’s essential to adhere to this schedule to ensure timely loan repayment.

Benefits of Dot Dot Loans

Loan Amounts and Terms

Dot Dot Loans specializes in providing short-term loans designed for individuals with less-than-perfect credit histories. Borrowers can access loan amounts ranging from £100 to £1000, with flexible repayment terms spanning from 3 to 9 months. This range of options allows borrowers to tailor their loan to their specific financial needs, ensuring that they can manage their repayments comfortably.

Responsible Lending

Dot Dot Loans is committed to responsible lending practices. Unlike some lenders who focus solely on credit scores, Dot Dot Loans takes a holistic approach to evaluating loan applications. They consider various factors beyond just credit history, making it possible for individuals with less-than-ideal credit profiles to obtain the financial assistance they need.

Online Portal

Dot Dot Loans offers the convenience of an online application portal. Borrowers can initiate their loan requests, provide necessary information, and track the progress of their applications from the comfort of their own homes. This online accessibility streamlines the application process, making it easier and more efficient for borrowers to secure a loan.

Fast Payout

One of the advantages of Dot Dot Loans is their swift funds disbursement. Once a loan application is approved and all details are verified, borrowers can expect to see the loan amount deposited into their bank accounts in as little as one hour. This rapid access to funds is particularly beneficial for those facing urgent financial needs or unexpected expenses.

Frequently Asked Questions

Who owns Dot Dot Loans?

Dot Dot Loans is owned by Morses Club PLC, which is a prominent financial services company based in the United Kingdom. Morses Club PLC has been in existence for long and is one of the oldest and largest home-collected credit providers in the UK. Dot Dot Loans operates as a trading name of Shelby Finance Ltd, which is a subsidiary of Morses Club PLC.

How much can I borrow from Dot Dot Loans?

Dot Dot Loans offers loan amounts ranging from £100 to £1000, allowing borrowers to select an amount that suits their financial requirements.

What are the repayment terms for Dot Dot Loans?

Borrowers can choose repayment terms spanning from 3 to 9 months, providing flexibility in managing their loan repayments.

Do I need a perfect credit score to qualify for a Dot Dot Loan?

No, Dot Dot Loans considers various factors beyond just credit scores when evaluating loan applications. They provide opportunities for individuals with less-than-perfect credit histories to obtain loans.

Can I apply for another Dot Dot Loan if I’ve already had one?

Yes, after successfully repaying a Dot Dot Loan, you may be eligible to apply for another loan, subject to approval and your individual financial circumstances.


In this comprehensive Dot Dot Loans UK review, we’ve covered various aspects of this lending platform. Dot Dot Loans caters to a wide range of financial needs, offering loan amounts from £100 to £1000 with flexible repayment terms of 3 to 9 months. With a goal of responsible lending and a user-friendly online application portal, Dot Dot Loans stands out as a versatile and customer-centric lender. Their tailored approach to interest rates, diverse loan types, and transparency in lending practices make them a reputable choice for borrowers seeking financial assistance in the UK.