Rating based on 67 reviews

Dot Dot Loans


  • Payday loans up to £1,250
  • Low-interest starting from 178%
  • Repayment up to 9 months

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Dot Dot Loans homepage

Author Dot Dot Loans. Screenshot of Dot Dot Loans website. [Accessed September 8, 2021]

About Dot Dot Loans

Do you need a payday loan to help you get to your next payday? You shouldn’t look any further as Dot Dot Loans can assist you in no time!

Dot Dot Loans is a trading name of Shelby Finance Ltd, a low-interest payday loan provider, based in the UK. They are owned by Morses Club PLC who has been around for more than 130 years.

Dot Dot Loans was established in 2017 as an online payday loan provider, focusing on clients, like you, who need easy-to-access funds to cover their expenses as effortlessly as possible.

Choosing Dot Dot Loans 

If you have a credit score that is shy of perfection, you will be delighted to find how accommodating they are to their clients. When you are 18 years or older and a citizen of the UK with a steady income stream you stand a high chance of being approved for a payday loan.

With their straightforward online application process, they are the best payday loan company for busy individuals. They ensure that the payment agreement is just and that you will be able to make the payments without hiding any additional fees and costs. If you are new to payday loans, you can get assistance from their friendly customer support team, which will help you through the process.

Dot Dot Loans Services

Did something come up in the middle of the month and now you are short of cash?

These short-term payday loans start from £100 going up to £1000 and can be paid in 3,6 or 9 monthly payments. If you are older than 18 years of age with a steady monthly income, you will enjoy reasonable interest rates on short-term loans.

They want to make your application for the short-term payday loan as fast as possible, therefore it is essential to have all of the necessary documents on hand when you apply.

Get the money you need

The long-term payday loan will be helpful for planned expenses you have that are too big for you to pay in one payment. If you encounter big monetary expenses that are too big to cover with one paycheck, you will benefit from a long-term low-interest payday loan.

These payday loans range from £1500 to £5000 and can be settled in up to 48 payments which is an affordable option for you when you need to apply. With reasonable monthly payments, this payday loan is advantageous to individuals older than 21 years of age regardless of previous experience with payday loans

Dot Dot Loans – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 178%
  • Loan Amount up to £1,250
  • Repayment 3 months to 9 months

Benefits of Dot Dot Loans

  • Apply for a loan with a bad credit history
  • A transparent loan service
  • Easy loan application

Payday loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

With this range of amounts available to you, it’s hard not to find what you’re looking for

How to apply for a payday loan?

5 Steps to apply for a payday loan 

Step 1: Start by going to the website of Dot Dot Loans and clicking on the apply now button. You will then fill out the payday loan, online loan application.

Step 2: Once the application has been submitted a notification will be sent to confirm whether or not your payday loan, online application has been pre-approved or not.

Step 3: If the applicant was pre-approved you will either be contacted by the service team or be digitally asked to review and accept the terms and conditions of the payday loan.

Step 4: After you have accepted the terms and conditions, the payday loan will be on its way to being approved. As soon as the application is approved the money will be on its way to your bank account and will be available within the hour.

Step 5: Now that you have received the payday loan, all that is left to do is to ensure that all payments for the payday loan are made to Dot Dot Loans on time, on the date(s) agreed upon by both parties.

Lending Criteria

  • 18 years and older for short-term payday loans.
  • 21 years and older for long-term payday loans.
  • Be a resident of the UK.
  • Pass the credit check.
  • Have a verifiable email address.
  • Supply proof of residence.
  • Provide valid bank account details.
  • Produce proof of income

The benefits will you receive from Dot Dot loans

  • Payback only the payment you agreed upon.
  • No penalties or hidden fees.
  • Achievable installments.
  • Swift online application.
  • Helpful support staff.
  • You do not need an ideal credit score.
man holding thumbs up

Dot Dot Loans is a trusted & reliable provider of payday loans

In our review, Dot Dot Loans adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Dot Dot Loans is a registered credit provider in the UK; FCA number 713984

Customer Reviews & Testimonials

August 2019

Dot Dot loans really went the extra mile to make sure I got what I needed out of my loan – excellent, efficient service.

Mary Q
— Birmingham —

February 2019

I swear by Dot Dot loans – they always have what I need, when I need it. I have money in my account within 24 hours of my request.

Peter H
— Dublin —

Dot Dot Loans Contact

Contact Number


  • not available


Physical Address

  • Kingston House, Centre 27 Business Park Batley WF17 9TD United Kingdom
  • Get Directions

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