Dot Dot Loans short-term loans review

Dot Dot Loans provides simple, flexible short-term loans of between £200 and £1,000 that can be repaid in instalments over 3 months to 9 months.

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Dot Dot Loans

Dot Dot Loans is owned by Morses Club – one of the UK’s largest home-collected loan companies, that’s been around for over 130 years. Dot Dot Loans offers a fully-online service, and strives to be simple, fast and fair. You don’t necessarily need a perfect credit score to get a Dot Dot loan, but much like any other responsible short-term lender, your application will be subject to credit and affordability checks.

Warning: Late repayment can cause you serious money problems. For help, go to

Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.

How do Dot Dot loans hold up against the competition?

Table: promoted deals, sorted by total payable

If you’ve been on the Dot Dot loans site and have estimated the cost of a loan, you’re probably going to want to shop around to see if you’re getting a good deal. You can use the table below to estimate the cost of the loan that you have in mind. We compare loans from a range of popular short-term lenders. Remember that each lender sets its own min/max loan amounts and terms, and its own eligibility requirements.

How much do you need to borrow?

How long do you need to borrow for?

Name Product Available amounts Monthly repayment Total payable
Lending Stream Instalment Loan
£50 to £1,500
Representative example: Borrow £200 for 6 months at a rate of 292% p.a. (fixed). Representative 1,333% APR and total payable £386.61 in 6 monthly payments of £64.44.
Satsuma Short Term Loan
£100 to £1,000
Representative example: Borrow £480 for 9 months at a rate of 133.1% p.a. (fixed). Representative 535% APR and total payable £959.04 in 9 monthly payments of £106.56. Personal Loan
£300 to £3,000
Representative example: Borrow £1,000 for 12 months at a rate of 152.33% p.a. (fixed). Representative 352.7% APR and total payable £1,999.92 in 12 monthly payments of £166.66.
Sunny Loan
£100 to £2,500
Representative example: Borrow £100 for 8 months at a rate of 204% p.a. (fixed). Representative APR 568% and total payable £199.33 in 8 monthly payments of £19.93. You can repay this loan early.

Compare up to 4 providers

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

We compare payday/short-term loans from

Lending Stream Instalment Loan
Satsuma Short Term Loan Personal Loan
Sunny Loan

Key features of a Dot Dot loan

Unlike a traditional “payday” loan, which you’d pay back in one lump sum on your payday, a number of lenders like Dot Dot loans now allow borrowers to spread repayment over a number of months. This makes for smaller, more manageable monthly repayments, but a more expensive loan overall.

Product NameDot Dot Loans Short Term Loan
Available amounts£200 to £1,000
New customer maximum£1,000
Loan terms3 months to 9 months
Soft search eligibility check
Funding speedLoans are funded three times a day Monday to Friday and twice on Saturdays and Sundays. If you're approved after 3.30pm on a weekday or after 5pm on a weekend, your loan will be funded on the next day.
Repayment period optionsMonthly
Default repayment methodDirect debit or continuous payment authority
Additional repayment methodsOnline payment
Phone payment
Repay early at any point
FCA registration number713984
More Info

How does it work?

  1. Decide on the size of the loan you require and the number of instalments you wish to pay the money back in.
  2. Complete the simple application for, providing your personal, contact, employment and financial details.
  3. Dot Dot Loans will perform a credit check to determine if you are eligible for a loan and the size of that loan.
  4. Once approved, the money is usually credited to your bank account within an hour as long as you are applying within office hours.
  5. Dot Dot Loans uses a Continuous Payment Authority (CPA) to collect your repayments on the monthly instalment dates you have chosen.

What is a Continuous Payment Authority (CPA)?

With a CPA you give a company permission to withdraw money from your account on a regular basis.

CPAs differ from a direct debit because they give the company being paid the ability to withdraw money from your account whenever they wish, and to take payments of different amounts without consulting you. Most payday/short-term lenders will use a CPA to collect your repayments. You can cancel this at any point by either consulting with your loan provider or your bank.

What are the eligibility requirements?

Make sure you meet the following criteria before applying for a Dot Dot loan:

ResidencyUK resident
Minimum age18
Applications from self-employed considered
Additional eligibility notesYou must have a valid email address and mobile number.
You must have a valid bank account and debit card.

Did you know?

In 2015 the Financial Conduct authority (FCA) capped interest and fees on all high-cost short-term credit loans at 0.8% per day.

They additionally capped all default charges at £15 and the total cost (interest, fees) of loans at 100% of the original sum. This means you’ll never have to pay more than double the amount borrowed.

Help! I want to modify my loan

Option to change repayment date
Repay early at any point
Multiple loans allowed at the same time
Phone number0333 240 6215
More Info

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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