Dot Dot Loans

311 reviews

754.5% Representative

Will lend between: £200 - £600

Over: 3 - 9 Months

Representative example: If you borrow £300 over 3 months at a Representative rate of 1255% APR and an annual interest rate of 292% (variable), you would pay 3 monthly installments of £153.63 The total charge for credit will be £160.89 and the total amount payable will be £460.89

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Dot Dot Loans customer reviews.

311 reviews

4.6 out of 5 stars

Our review of Dot Dot Loans

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 £200 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.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • 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 £14,400 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

Dot Dot Loans Customer Question & Answers

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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 £200 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.


Company information

Registration number: 6793980


Kingston House Centre 27 Business Park, Woodhead Road, Birstall, Batley, West Yorkshire, WF17 9TD

FCA registration

Reference No: 625039

Trading names: Morses Club

Place of business: Kingston House Centre 27 Business Park, Woodhead Road, Birstall, Batley, West Yorkshire, WF17 9TD

Data protection registration

Registration No: Z1684084

Data controller: Morses Club Limited

Address: Kingston House Centre 27 Business Park, Woodhead Road, Birstall, Batley, West Yorkshire, WF17 9TD

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