Dot Dot Loans

18 reviews

788.91% Representative

Will lend between: £200 - £600

Over: 3 - 9 Months

Representative example: If you borrow £300 over 3 months at a Representative rate of 788.91% APR and an annual interest rate of 169.4% (fixed), you would pay 3 monthly instalments of £142.35. The total charge for credit will be £127.05 and the total amount payable will be £427.05.

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Dot Dot Loans customer reviews.

18 reviews

3.1 out of 5 stars

Very helpful
06:43 06-07-2018
ImageSmart Money People

Very helpful people and very nice

Tanya Coombe

Cracking
13:56 26-06-2018
ImageSmart Money People

Absolutely cracking service, real top draw.

Jimmy

Quick easy repayable loans. No hassle
13:38 22-06-2018
ImageSmart Money People

Recommended by friend quick easy application .

Viki Edwards-king

Interest payments
12:31 30-05-2018
ImageSmart Money People

The interest faced on this was high and there was no scope to make early payments online

Scott Farrell

Great company xx
22:43 28-05-2018
ImageSmart Money People

I have been with Morses for a couple of years and can honestly say that I think they are a great company.

Mary Rudd

EXcellent
14:42 11-05-2018
ImageSmart Money People

Great team from beginning to end great int rates, VERY HAPPY :)

Bethany Greenwood

Stay well clear!!
14:55 10-02-2018
ImageSmart Money People

Received a large amount of promotional e mails from this company urging me to apply for a loan. As I was desperate I did and got rejected instantly thus impacting my credit report. Company has said this is normal practice. I now have watchdog from the BBC looking into this company who have been shocked at their practices!

James wells

joke of a company
14:35 27-06-2017
ImageSmart Money People

applied for loan online got a phone call from underwriting team that was ok got accepted was told then to ring another number to finalise my loan but will be charged £2.50 a min as its a premium number

Anonymous

joke
07:58 27-05-2017
ImageSmart Money People

absolute joke I got a loan and signed the agreement and have to wait now until Tuesday really no good and it starts from today lazy company and was pushed aside when spoke to customer service

Anonymous

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.

Written by: Chris D'Agorne

Highlights

  • 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

Fees

  • 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

www.dotdotloans.co.uk

03300450725

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