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Loans from £1500 to £5000 over 18, 24, 36 or 48 months

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Borrow £2000 over 36 months with monthly repayment of £123.54. Total amount payable £4447.44. Interest rate 60.03% p.a. (fixed). 79.4% APR Representative.


This loan may be suitable for you if:

  • You need a longer-term loan for larger expenses
  • You have less than perfect credit
  • You want a loan with no hidden fees or expenses
  • If you would like a shorter-term loan, why not check out Dot Dot Loans – Short Term Loans

This loan may not be suitable for you if:

  • You have a history of bad credit including recent defaults and CCJ’s.
  • You already have outstanding payday loans or short term loans.
  • You are already in financial difficulty and wouldn’t be able to repay the loan.

How it works...

Apply to Dot Dot Loans using the form below. Applying won't affect your credit score^
Dot Dot Loans will give us an instant decision and, if accepted, you’ll be sent to their website to finalise your loan
If Dot Dot Loans decline your application, we will try our other lenders to see if we can get you a loan elsewhere
If another lender accepts your application you’ll be redirected to their website

^In order to assess your suitability for a loan, lenders may perform a soft credit check, this does not harm your credit score and is not visible to other lenders. If you accept a loan offer, you will be redirected to the lender and they may ask to perform a full credit check.

Start your application to Dot Dot Loans below...


Dot Dot Loans - Personal Loan

About Dot Dot Loans – Personal Loan

Dot Dot Loans are a well established UK based lender that offers two types of loan, this Personal Loan as well as a Short Term Loan which is a product for smaller amounts over 3, 6 or 9 months, you can read more about this Short Term Loan here.

You can apply for up to £5000 with a Dot Dot Loans Personal Loan on allthelenders.

Dot Dot Loans is a trading name of Shelby Finance and are owned by Morses Club – one of the largest home collected loan companies in the UK with a lending history of over 130 years, so you can trust Dot Dot Loans to be a responsible lender.

Dot Dot Loans pride themselves on offering a great service and have convenient tools to help manage your loan, such as an online account.

Eligibility Criteria

You must be over 21 years of age.

You must be a UK resident with an active bank account, mobile phone and debit card.

All loans are subject to credit and affordability checks.


All UK residents over 21 can apply for a Personal Loan from Dot Dot.  All applications are completed online and you’ll be able to clearly see all of the important details of your loan before signing a loan agreement, such as the total amount payable as well as the amount of interest you’ll pay and the amount of your monthly instalments.

If you are approved for a loan, they pay out every hour of the day, 24/7 so you’ll never have to wait long to get your funds.

The great thing about applying on allthelenders is that if Dot Dot Loans cannot accept your application then we will search our comprehensive panel of lenders to see if any other lenders will accept you, saving you time and helping you to get the loan that you need.

Repaying Dot Dot Loans

Dot Dot Loans will simply collect your repayment from your debit card on the agreed repayment dates, there is no need for you to do anything other than ensure that there is enough money available for them to take.  They will never collect more than what your repayment amount is.

If you would like to make additional payments to your account to reduce the amount you owe, you can do this at any time in your online account.

Once you have repaid your loan, subject to credit and affordability checks you may be eligible to borrow again and you may be offered a higher amount.

Shelby Finance Limited (t/a Dot Dot Loans) is authorised & regulated by the Financial Conduct Authority.