{"id":110,"date":"2020-01-01T03:17:12","date_gmt":"2020-01-01T03:17:12","guid":{"rendered":"https:\/\/learnbonds.com\/?page_id=146303"},"modified":"2024-04-29T11:02:00","modified_gmt":"2024-04-29T11:02:00","slug":"loans-dot-dot-loans-review","status":"publish","type":"page","link":"https:\/\/learnbonds.com\/uk\/payday-loans\/dot-dot-loans-review","title":{"rendered":"Dot Dot Loans Review 2021 | Loan Limits, APR, And Eligibility"},"content":{"rendered":"<h3><img decoding=\"async\" class=\"alignright wp-image-146305 size-full\" src=\"https:\/\/learnbonds.com\/wp-content\/uploads\/2019\/08\/dotdotloans_250_250.png\" alt=\"Dot Dot loans company logo\" width=\"250\" height=\"250\" \/>If you have ever been in a financial emergency with seemingly no way out, you might appreciate the role of short-term lenders like Dot Dot Loans. The lender offers <a href=\"https:\/\/learnbonds.com\/loans\">loans<\/a> to all kinds of borrowers, no matter the credit, with a fast approval and funding rate.<\/h3>\n<p>But before you sign up to the platform and get your first loan, how well do you know the lender? Our comprehensive review aims to give you all the answers you seek about the platform and much more.<\/p>\n<p>We have undertaken a thorough analysis of the service provider and its practices to help you make the right decision. Read on to find out if it is the best choice for you.<\/p>\n<div data-accordeon class=\"toc-block\">\n  <div data-accordeon-item>\n    <div data-accordeon-title class=\"toc-title-wrapper\">\n      <div type=\"button\" class=\"toc-btn toc-btn_main\">\n          <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#fff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/div>\n      <span class=\"toc-title\">\n        In This Guide      <\/span>\n    <\/div>\n      <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n          <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#if_you_have_ever_been_in_a_financial_emergency_with_seemingly_no_way_out_you_might_appreciate_the_role_of_short-term_lenders_like_dot_dot_loans_the_lender_offers_loans_to_all_kinds_of_borrowers_no_matter_the_credit_with_a_fast_approval_and_funding_rate\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">If you have ever been in a financial emergency with seemingly no way out, you might appreciate the role of short-term lenders like Dot Dot Loans. The lender offers loans to all kinds of borrowers, no matter the credit, with a fast approval and funding rate.<\/a>\n\n        <\/div>\n\n    <\/li>      <\/ul>\n  <\/div>\n    <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n        <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#if_you_have_ever_been_in_a_financial_emergency_with_seemingly_no_way_out_you_might_appreciate_the_role_of_short-term_lenders_like_dot_dot_loans_the_lender_offers_loans_to_all_kinds_of_borrowers_no_matter_the_credit_with_a_fast_approval_and_funding_rate\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">If you have ever been in a financial emergency with seemingly no way out, you might appreciate the role of short-term lenders like Dot Dot Loans. The lender offers loans to all kinds of borrowers, no matter the credit, with a fast approval and funding rate.<\/a>\n\n        <\/div>\n\n    <\/li>    <\/ul>\n<\/div>\n\n                                        <div class=\"inContentProviderSingle inContentColor--learnbonds fc-row\">\n                        <div class=\"inContentProviderSingle--wrapper\">\n                            <div class=\"container\">\n                                <div class=\"row mb-lg-3\">\n                                    <div class=\"col-12 col-md-8\">\n                                        <p class=\"inContentProviderSingle--title\">Try Our Recommended UK Payday Loan Provider 2020:<\/p>\n                                    <\/div>\n                                    <div class=\"col-12 col-md-4\">\n                                        <div class=\"inContentProviderSingle--rating\">\n                                            <div class=\"rating--holder\">\n                                                <p class=\"rating--text\"><\/p>\n                                                <div class=\"rating--star-container\">\n                                                    <div class=\"rating--star\" style=\"width: 100%;\"><\/div>\n                                                <\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div><!--\/.col-md-4-->\n                                <\/div><!--\/.row-->\n                                <div class=\"row\">\n                                    <!-- *******  Desktop Provider Logo ********** -->\n                                    <div class=\"col-12 col-md-12 text-center d-block d-sm-block d-md-none d-lg-none\">\n                                        <img decoding=\"async\" class=\"inContentProviderSingle--img mb-3\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/01\/lendingstream_250_250.png\" alt=\"\" width=\"125\" height=\"60\">\n                                    <\/div>\n\n                                    <div class=\"col-12 col-md-8\">\n                                                                                    <ul class=\"inContentProviderSingle--list\">\n                                                                                                    <li>Get an Instant Quote<\/li>\n                                                                                                    <li>Apply within 2 Minutes<\/li>\n                                                                                                    <li>Friendly Support Service<\/li>\n                                                                                                    <li>FCA Regulated<\/li>\n                                                                                            <\/ul><!--\/.inContentProviderSingle--lis-->\n                                                                            <\/div>\n                                    <!-- *******  Desktop Provider Logo ********** -->\n                                    <div class=\"col-12 col-md-4 d-none d-sm-none d-md-block d-lg-block\">\n                                        <img decoding=\"async\" class=\"inContentProviderSingle--img float-right\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/01\/lendingstream_250_250.png\" alt=\"\" width=\"125\" height=\"60\">\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                                <div class=\"row\">\n                                    <div class=\"col-12 text-center\">\n                                                                                    <div class=\"inContentProviderSingle--button\">\n                                                                                                <a href=\"https:\/\/learnbonds.com\/uk\/visit\/lendingstream\" title=\"Start Trading\" rel=\"sponsored\" data-relfix=\"1\">Apply Now!<\/a>\n                                            <\/div>\n                                                                                <div class=\"inContentProviderSingle--disclaimerText\">\n                                            *Subject to lender requirements and approval.                                        <\/div>\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                            <\/div><!--\/.container-->\n                        <\/div><!--\/.inContentProviderSingle--wrapper-->\n                    <\/div><!--\/.inContentProvider--single-->\n                            \n            \n<h2 id=\"what_is_dot_dot_loans\">What is Dot Dot Loans?<\/h2>\n<p><img decoding=\"async\" class=\"alignleft wp-image-3476\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/5.png\" alt=\"home page of dot dot loans\" width=\"269\" height=\"293\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/5.png 601w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/5-275x300.png 275w\" sizes=\"(max-width: 269px) 100vw, 269px\" \/>Dot Dot Loans is a short-term lender based in the UK, in Batley, West Yorkshire. They operate under the trading name Shelby Finance Ltd. The company belongs to Morses Club, one of the largest home collected loan companies in the UK, which has been operational for at least 130 years.<\/p>\n<p>The lender has been operational since 2017 and specifically targets customers who prefer fully online services. Dot Dot operates as a direct lender, meaning that you apply for funding and get it directly from them.<\/p>\n<p>They are a fully online service provider with a focus on simplicity, fairness and speed. Like many other <a href=\"https:\/\/learnbonds.com\/uk\/short-term-loans\">short-term lenders<\/a>, they do not demand a perfect credit score. But they strive to practice responsible lending, which we will discuss in greater detail shortly.<\/p>\n<p>\u00a0<\/p>\n<p><em><div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i> <\/em>A subsidiary of a seasoned UK lender, Dot Dot Loans is a direct online lender offering reliable services, albeit, on the expensive side. They have a simple loan structure and offer fast approval on every day of the week including weekends.<em><\/div><\/div><\/em><\/p>\n<h2><strong>Pros and Cons of a Dot Dot Loans Loan<br \/>\n<\/strong><\/h2>\n<div class=\"su-note\"  style=\"border-color:#EFEFEF50;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#EFEFEF50;border-color:#EFEFEF50;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\">\n<div class=\"su-row\"><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Pros<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Fixed rate makes it easy to know exactly how much you will pay back<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Fast online processing<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Funds available within an hour of application if you apply during work hours.<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Flexibility in the repayment period<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Borrowers get quotes within minutes<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Funds loans throughout the week including weekends<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Offer remarkable transparency into costs<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Does not charge late payment fees, origination or prepayment fees<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> As a direct lender, they do not share your data<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Cons<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Low ceiling loans, especially for first-time borrowers<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Platform performs credit check which may impact your score<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> High rates<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n<h2 id=\"how_does_a_dot_dot_loans_loan_work\">How does a Dot Dot Loans loan work?<\/h2>\n<p>Dot Dot Loans does not offer the traditional <a href=\"https:\/\/learnbonds.com\/loans\/payday-loans\/same-day\">payday loans<\/a> that short-term borrowers often have to take for lack of a better option. Rather, they offer an alternative product that lets you pay back in installments over a period of time.<\/p>\n<p>As such, borrowers can expect to make repayments in smaller, more manageable monthly installments. However, this makes the loan more expensive in the long haul.<\/p>\n<h3 id=\"credit_and_affordability_checks\">Credit and affordability checks<\/h3>\n<p>New borrowers qualify to access loans between \u00a3100 and \u00a3600. Existing customers get access to more than double this amount, with loan limits capped at \u00a31,250. The amount you qualify for varies by requirements, credit rating as well as your affordability.<\/p>\n<p>Borrowers also get to enjoy flexibility when it comes to the loan terms. These vary from 3 months to 6 months, up to 9 months and 12 months. Another benefit, which may also be a downside, is the fact that it operates on fixed rates.<\/p>\n<p>On one hand, that means that right from the start you know exactly how much you will need to pay back. But on the other hand, these rates are usually on the higher side.<\/p>\n<h3 id=\"funds_disbursement\">Funds disbursement<\/h3>\n<p>When you apply for a loan on the platform, you will usually get a quote pretty fast. The quote shows all the important details including how much you will need to pay back over the desired period.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-3479 size-full\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Screenshot_812-1.jpg\" alt=\"A screengrab of dot dot loans website\" width=\"1285\" height=\"570\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Screenshot_812-1.jpg 1285w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Screenshot_812-1-300x133.jpg 300w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Screenshot_812-1-1024x454.jpg 1024w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Screenshot_812-1-768x341.jpg 768w\" sizes=\"(max-width: 1285px) 100vw, 1285px\" \/><\/p>\n<p>Unlike other lenders, the platform funds loans throughout the week, including Saturdays and Sundays.\u00a0 Any application that you make between 8:30 AM and 4:30 PM will usually mean getting your funds within an hour of the request. But any requests approved after 3:30 PM on weekdays or 5:00 PM get funding on the next day.<\/p>\n<h3 id=\"credit_checks\">Credit checks<\/h3>\n<p>One aspect of responsible lending from the site is making sure that you meet the required criteria. They carry out thorough affordability and credit checks. As the site explains, this is so as to ensure you do not get into greater financial difficulty with a loan.<\/p>\n<p>Whether you are new to the platform or an existing customer, they will always carry out these checks. The credit check helps the lender decide how much credit you would qualify for. They do this by looking at how you have managed any credits you have had prior to this one.<\/p>\n<p>That does not mean you need a perfect score, it simply helps them determine whether you can manage the repayments.<\/p>\n<p>Affordability checks involve looking at your income and expenses to make sure that repayments will not get you into problems.<\/p>\n<h3 id=\"repayment\">Repayment<\/h3>\n<p>The lender strives to offer quick responses to applicants. In cases where they cannot, they usually request for more information so as to process the request. Though it is not mandatory, in some cases, you might need to upload documents following your application.<\/p>\n<p>There are no fees on Dot Dot Loans other than the agreed upon fixed rate. They do not charge late payment penalties. Rather, they are willing to work with you on an alternative repayment plan if the current one seems not to work.<\/p>\n<p>Once you settle on an amount and get the repayment amount and loan term, they will take repayments directly from your account on monthly basis. Note that the lender is transparent and will let you know exactly what to expect before you submit your application.<\/p>\n<p>Being a direct lender, they will not share your data with any third-party service providers. It also means that you can contact them directly when issues or queries arise.<\/p>\n<h2 id=\"dot_dot_loans_account_creation_and_borrowing_process\">Dot Dot Loans Account Creation and Borrowing Process<\/h2>\n<p>Simplicity is at the core of the Dot Dot Loans platform and it is manifested in every process including account creation and borrowing.<\/p>\n<h4 id=\"1_to_create_your_own_account_on_the_site_httpswwwdotdotloanscoukand_borrow_your_first_loan_start_by_clicking_on_the_apply_tab\">1. To create your own account on the site https:\/\/www.dotdotloans.co.ukand borrow your first loan, start by clicking on the \u201cApply\u201d tab.<\/h4>\n<h4 id=\"2_the_very_first_step_is_to_calculate_your_loan\">2. The very first step is to calculate your loan.<\/h4>\n<p><img decoding=\"async\" class=\"wp-image-146307 size-full alignnone\" src=\"https:\/\/learnbonds.com\/wp-content\/uploads\/2019\/08\/Screenshot_813.jpg\" alt=\"Dot Dot loans online calculator\" width=\"1131\" height=\"550\" \/><\/p>\n<p>First, select the amount you want to borrow and then set the repayment period. You will get to see the monthly repayment figure, the interest rate applicable, the APR and the credit charge.<\/p>\n<p>You can keep making adjustments until you find the terms satisfactory.<\/p>\n<h4 id=\"2_once_you_are_satisfied_click_on_proceed_with_application_to_commence_the_online_application_process\">2. Once you are satisfied, click on \u201cProceed with application\u201d to commence the online application process.<\/h4>\n<h4 id=\"3_you_will_need_to_fill_in_the_loan_details_selecting_the_loan_amount_and_the_loan_term\">3. You will need to fill in the loan details, selecting the loan amount and the loan term.<\/h4>\n<p>Enter your personal information, starting with your name and date of birth. Enter your email address and phone numbers as well.<\/p>\n<h4 id=\"4_once_youare_done_with_that_enter_your_address_details_which_include_residential_info_and_the_length_of_time_you_have_lived_at_the_address\">4. Once you\u00a0are done with that, enter your address details which include residential info and the length of time you have lived at the address.<\/h4>\n<h4><img decoding=\"async\" class=\"alignnone wp-image-3481 size-full\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture-1.png\" alt=\"Loan application page on dot dot loans\" width=\"1612\" height=\"684\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture-1.png 1612w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture-1-300x127.png 300w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture-1-1024x435.png 1024w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture-1-768x326.png 768w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture-1-1536x652.png 1536w\" sizes=\"(max-width: 1612px) 100vw, 1612px\" \/><\/h4>\n<h4 id=\"5_enter_your_work_details_including_employment_status_company_name_job_type_telephone_payment_type_and_frequency\">5. Enter your work details including employment status, company name, job type, telephone, payment type and frequency.<\/h4>\n<h4 id=\"6_finally_you_will_need_to_submit_your_bank_details_then_your_income_and_expenditure_and_thats_it_read_and_accept_the_terms_and_conditions_then_submit_the_application_form\">6. Finally, you will need to submit your bank details then your income and expenditure and that\u2019s it. Read and accept the terms and conditions then submit the application form.<\/h4>\n<p>Note that after reviewing your application, the lender may offer a different amount and term that differ from what you applied for.<\/p>\n<div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i><em>It\u2019s essential to be cautious during the sign up process for these products. This is because you can end up owing two to three times what you borrow on the longer-term loans, and many have difficulty repaying the short-term loans without reborrowing.<\/em><\/div><\/div>\n<h2 id=\"eligibility_criteria_for_dot_dot_loans_loan\">Eligibility Criteria for Dot Dot Loans Loan<\/h2>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<p>In order to qualify for a loan on Dot Dot, here are the qualifications you need to meet. These include:<\/p>\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Be at least 18 years<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Be a resident of the UK<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Have a minimum income of \u00a314,400 annually<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Should not be self-employed<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Should get paid monthly<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Should have a valid mobile number and email address<\/li>\n<\/ul>\n<\/div>\n<h2 id=\"information_borrowers_need_to_provide_to_get_dot_dot_loans_loan\">Information Borrowers Need to Provide to Get Dot Dot Loans Loan<\/h2>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<p>If you meet all of the above requirements, you will need to provide some details during the application process, including:<\/p>\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Home address information for the past 3 years<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Debit card and bank account information<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Personal details<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Employment details<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Income and expenditure details<\/li>\n<\/ul>\n<p><em><\/div><\/em><\/p>\n<h2 id=\"what_are_dot_dot_loans_loan_borrowing_costs\">What are Dot Dot Loans loan borrowing costs?<\/h2>\n<p>Dot Dot Loans is a high-cost lender as compared to other similar lenders in the UK. Here are the costs you can expect to incur when you borrow from the platform:<\/p>\n<ul>\n<li>APR \u2013 varies by loan amount, term and other factors<\/li>\n<li>Arrangement fees \u2013 nil<\/li>\n<li>Prepayment fees \u2013 nil<\/li>\n<li>Late payment fees \u2013 nil<\/li>\n<\/ul>\n<p>Representative Example:<\/p>\n<ul>\n<li>Borrowed Amount \u2013 \u00a3300<\/li>\n<li>Repayment Period \u2013 3 months<\/li>\n<li>Monthly repayment amounts \u2013 \u00a3153.63<\/li>\n<li>Total amount to pay \u2013 \u00a3460.89<\/li>\n<li>Fixed interest rate p.a. \u2013 292%<\/li>\n<li>APA (representative) \u2013 1,255%<\/li>\n<\/ul>\n<h2 id=\"dot_dot_loans_customer_support\">Dot Dot Loans Customer Support<\/h2>\n<p>A majority of short-term lenders outsource their customer support services and this often results in complaints from customers. But Dot Dot is an exception in that it has employed a UK customer service team.<\/p>\n<p>According to online reviews, they are friendly and helpful and overall, are rated as excellent.<\/p>\n<h2 id=\"is_it_safe_to_borrow_from_dot_dot_loans\">Is it safe to borrow from Dot Dot Loans?<\/h2>\n<p>Dot Dot Loans is authorized and regulated by the <a href=\"https:\/\/learnbonds.com\/uk\/wp-admin\/post.php?post=110&action=edit\">Financial Conduct Authority<\/a>. Furthermore, its website uses industry-standard encryption to protect user information.<\/p>\n<p>It is also associated with a big name in the lending industry, which further adds to its credibility. There are no safety concerns associated with borrowing from this lender.<\/p>\n<h2 id=\"dot_dot_loans_review_verdict\">Dot Dot Loans Review Verdict<\/h2>\n<p>Dot Dot Loans claims to offer simple, fast and convenient services to all types of customers. Though its rates are higher than average, it prides itself in offering flexible terms for its borrowers and almost immediate funding.<\/p>\n<p>The fact that it funds loans even over the weekends is exceptional and it gets high marks for the excellent customer service.<\/p>\n<p>First -ime customers access low amounts and every time you apply for a loan, they perform a credit check, which may impact your score.<\/p>\n<p>In spite of being a relatively new company, Dot Dot is owned by a company with over a century of experience in lending. And their background shines through in the convenience and simplicity of their services. Generally speaking, it is a solid choice for a rainy day.<\/p>\n                                        <div class=\"inContentProviderSingle inContentColor--learnbonds fc-row\">\n                        <div class=\"inContentProviderSingle--wrapper\">\n                            <div class=\"container\">\n                                <div class=\"row mb-lg-3\">\n                                    <div class=\"col-12 col-md-8\">\n                                        <p class=\"inContentProviderSingle--title\">Try Our Recommended UK Payday Loan Provider 2020:<\/p>\n                                    <\/div>\n                                    <div class=\"col-12 col-md-4\">\n                                        <div class=\"inContentProviderSingle--rating\">\n                                            <div class=\"rating--holder\">\n                                                <p class=\"rating--text\"><\/p>\n                                                <div 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                        <\/div>\n                                                                                <div class=\"inContentProviderSingle--disclaimerText\">\n                                            *Subject to lender requirements and approval.                                        <\/div>\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                            <\/div><!--\/.container-->\n                        <\/div><!--\/.inContentProviderSingle--wrapper-->\n                    <\/div><!--\/.inContentProvider--single-->\n                            \n            \n<h2 id=\"glossary_of_loaning_terms\">Glossary of loaning terms<\/h2>\n\n\t\t<div class=\"glossary-component--container\">\n\t\t\t<div class=\"glossary-component--inner\">\n\t\t\t\t<div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Score.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Score<\/span><\/div><div class=\"glossary-component--term-text\"><p>A credit score shows your creditworthiness. It's primarily based on how much money you owe to loan or credit card companies, if you have ever missed payments or if you have ever defaulted on a loan. <\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Guaranteed.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Guaranteed Approval <\/span><\/div><div class=\"glossary-component--term-text\"><p>Guaranteed Approval is when, no matter how bad, your credit score its, your loan application will not get declined.\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Limit.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Limit <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Credit Limit is the highest amont of credit a lender will lend to the borrower.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Collateral.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Collateral<\/span><\/div><div class=\"glossary-component--term-text\"><p>Collateral is when you put up an item against your loan such as your house or car. These can be repossessed if you miss payments.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Cash-Advance.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Cash Advance  <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Cash Advance is a short-term loan that has steep interest rates and fees.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Rating.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Rating<\/span><\/div><div class=\"glossary-component--term-text\"><p>Your Credit Rating is how likely you are to fulfill your loan payments and how risky you are as a borrower.\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Fixed-Interest.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Fixed Interest Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p>Fixed Interest Rate is when the interest rate of your loan will not change over the period you are paying off you loan.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Interest.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Interest <\/span><\/div><div class=\"glossary-component--term-text\"><p>The Interest is a percentage based on the amount of your loan that you pay back to the lender for using their money<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Default.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Default <\/span><\/div><div class=\"glossary-component--term-text\"><p>If you default on your loan it means you are unable to keep up with your payments and no longer pay back your loan.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Late-Fee.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Late Fee<\/span><\/div><div class=\"glossary-component--term-text\"><p>If you miss a payment the lender will charge you for being late, this is known as a late fee.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Unsecured.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Unsecured Personal Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>An Unsecured Personal Loan is when you have a loan based solely on your creditworthliness without using collateral.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Secured-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Secured Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>A Secured Loan is when you put collateral such as your house or car up against the amount you're borrowing.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Prime-Rate.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Prime Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p>This is the Interest Rate used by banks for borrowers with good credit scores.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Principle.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Principal<\/span><\/div><div class=\"glossary-component--term-text\"><p>The Principal amount the borrower owes the lender, not including any  interest or fees.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Variable-Rate.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Variable Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p> A Variable Rate is when the interest rate of you loan will change with inflation. Sometimes this will lower your interest rate, but other times it will increase. <\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Installment-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Installment Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>An Installment Loan is a loan that is paid back bi-weekly or monthly over the period in which the loan is borrowed for.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Bridge-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Bridge Loan <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Bridge Loan is a short term loand that can last from 2 weeks up to 3 years dependant on lender.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/AAA-Credit.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>AAA Credit<\/span><\/div><div class=\"glossary-component--term-text\"><p>Having an AAA Credit Rating is the highest rating you can have.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Guarantor.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Guarantor <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Guarantor co-signs on a loan stating the borrower is able to make the payments, but if they miss any or default the Guarantor will have to pay.\r\n\r\n\r\n\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/LIBOR.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>LIBOR <\/span><\/div><div class=\"glossary-component--term-text\"><p>LIBOR is the London Inter-Bank Offered Rate which is the benchmarker for the interest rates in London. It is an average of the estimates interest rates given by different banks based on what they feel would be the best interest rate for future loans.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Home-Equity.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Home Equity Loans <\/span><\/div><div class=\"glossary-component--term-text\"><p>Home Equity Loans is where you borrow the equity from your property and pay it back with interest and fees over an agreed time period with the lender.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Debt.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Debt Consolidation <\/span><\/div><div class=\"glossary-component--term-text\"><p>Debt Consolidation is when you take out one loans to pay off all others. This leads to one monthly payment, usually with a lower interest rate.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Federal-Student.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Student Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>If you obtain a Student Loan to pay your way through College then you loan is held with the Department for Education U.K.\r\n\r\n\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Broker.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Student Grants<\/span><\/div><div class=\"glossary-component--term-text\"><p>Financial Aid in the form of grants is funding available to post-secondary education students throughout the United Kingdom and you are not required to pay grant<\/p><\/div><\/div>\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<h2 id=\"faq\">FAQ<\/h2>\n<div role=\"heading\" data-hveid=\"CAsQBQ\"><div class='man_faq_sec' itemscope itemtype='https:\/\/schema.org\/FAQPage'> <\/time><time itemprop=\"dateModified\" datetime=\"2020-06-17 17:07:56\"><\/time><script>jQuery(document).ready(function() {\r\n\t\t\tjQuery('.accordionButton').on('click', function() {\r\n\r\n\t\t\t\t\/\/REMOVE THE ON CLASS FROM ALL BUTTONS\r\n\t\t\t\tjQuery('.accordionButton').removeClass('on');\r\n\t\t\t\t\t\r\n\t\t\t\t\/\/NO MATTER WHAT WE CLOSE ALL OPEN SLIDES\r\n\t\t\t\tjQuery('.accordionContent').slideUp('normal');\r\n\t\t\t\r\n\t\t\t\t\/\/IF THE NEXT SLIDE WASN'T OPEN THEN OPEN IT\r\n\t\t\t\tif(jQuery(this).closest('.ms_faq').find('.accordionContent').is(':hidden') == true) {\r\n\t\t\t\t\t\r\n\t\t\t\t\t\/\/ADD THE ON CLASS TO THE BUTTON\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionButton').addClass('on');\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\/\/OPEN THE SLIDE\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionContent').slideDown('normal');\r\n\t\t\t\t} \r\n\t\t\t\t\t\r\n\t\t\t\t});\r\n\t\t\t});\r\n\t\t\t<\/script><section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Does the lender have to conduct a credit search or can I get approval without a search?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">You cannot get approval without a credit search. Every loan application on the platform gets credit checked. In keeping with the principle of responsible lending, Dot Dot Loans always want to ensure that borrowers meet the required criteria and can afford to repay the loan.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Why does the lender have to verify my income details?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">As a responsible lender, they have to verify both your income and expenditure. The purpose is to ensure that you can afford to make repayments without getting into financial difficulty. Based on this information, they may adjust the loan amount and term.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Can I get a loan if I have a poor credit score?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Yes. The lender does not set a minimum credit score for loan approval. Rather, they make their decision on a case by case basis. They also take other factors into consideration apart from the credit score in order to approve or reject an application.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">What if they decline my application?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">A rejected application means that at the present time, the lender cannot offer you a loan because you did not meet the required criteria. However, you can reapply after a minimum of 30 days. But note that your circumstances need to have changed or the response will be the same.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Do I need to be a homeowner to qualify for a loan?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">No. You can qualify for a loan even if you are renting your current place of residence. The lender does not look at homeownership. But rather, they look at income and expenditure together with other factors when approving loans.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">What loan products does Dot Dot Loans offer?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">The lender offers short-term installment loans ranging from \u00a3100 to \u00a31,250 at a fixed rate.<\/p>\r\n                <\/div><\/div><\/section>\n<\/div>\n<h2>Payday Loan Provider Reviews \u2013 A-Z Directory<\/h2>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Dot Dot Loans Review 2020|Loan Limits, APR, And Eligibility<br \/>\nDot Dot loan will lend you upto \u00a31k within an hour. Even on weekends. We tell you how to qualify here<\/p>\n","protected":false},"author":644,"featured_media":146306,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-110","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"show_disclaimer":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dot Dot Loans Review 2021 - READ THIS BEFORE Applying! - Learnbonds UK<\/title>\n<meta name=\"description\" content=\"Read our 2021 review on Dot Dot Loans. We&#039;ve covered APR rates, fees, eligibility and more. 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