Dot Dot Loans

APR: 976.5% Representative
Loan amount: £100 - £600
Repayment duration: 3 - 9 Months
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Our review of Dot Dot Loans

Our review by Chris D'Agorne
Written by: Chris D'Agorne
Consumer sentiment


Dot Dot Loans are a high-cost short-term lender based in Batley, West Yorkshire. They are a trading name of Shelby Finance ltd and are owned by Morses Club plc. With a rich history in the loan industry, Morses Club plc dates back over 130 years. Dot Dot Loans pride themselves on providing a great service, being convenient, lending responsibly and great communication.

High-cost short-term lenders have a reputation for being expensive, however, with new laws in place, they can only charge a maximum of 0.8% interest per day of borrowing. So the shorter the amount of time you borrow for, the less you have to pay. Dot Dot Loans regard themselves as a responsible lender and do not have any additional charges or fees. For new customers looking to borrow from Dot Dot Loans, you can borrow £100 to £600 for between 3 to 9 months. If you’ve borrowed from them before, you can borrow up to £1,250 over a period of 12 months. If your loan is approved between 8:30am and 4:30pm, they aim to have the funds in your bank account within an hour.

If you're considering taking out a Dot Dot Loan, the usual high-cost short-term loan health warning applies - ensure you can afford the repayments before you apply. If you can’t make these on time and in full, it will show up on your credit file and make your financial life more difficult in the future. If you find yourself struggling to make a repayment, make sure you let Dot Dot Loans know, in case there is anything they can do to help.


Overall verdict: Despite Dot Dot Loans being new on the market, they are owned by a company with a wealth of experience. It’s important to remember that, despite having some positive reviews, they are still relatively unknown. We recommend that you shop around to make sure you are getting the best deal for you. Like all high-cost short-term lenders, remember to make sure you’ll be able to afford your repayments before you apply.


  • Simple loan structure
  • The amount to pay back is agreed upfront
  • No penalty fees
  • UK customer service team
  • Speedy decision and loan transfer

Minimum criteria

  • You must be a UK resident
  • You must be over 18
  • You must have a minimum income of £10,000 per year
  • You must not be self-employed
  • You must be paid monthly
  • You must have a valid email address and phone number
  • You must have a valid bank account and debit card


  • Maximum APR 976.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Dot Dot Loans

Dot Dot Loans is a trading name of Shelby Finance ltd, who are a UK-based online loan company owned by Morses Club plc, one of the largest home-collected loan companies in the UK with a history dating back over 130 years. As a responsible lender they always make sure you meet their lending criteria, and conduct credit and affordability checks.

They provide a straightforward service offering new customers short term, online loans from £100 to £600 for between 3 and 9 months. Returning customers can borrow a maximum of £1,250 over 12 months. After the interest paid on the loan, which is agreed upfront, you won’t pay any additional charges or fees.


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