Dot Dot Loans

Are you thinking about applying for a loan?
Dot Dot Loans is no longer trading, but if you’re looking for a suitable loan, Little Loans might be able to help you search.

Why choose Little Loans as your Dot Dot Loans alternative?

  • Little Loans is a credit broker working with a panel of over 30 trusted lenders.
  • Little Loans is authorised and regulated by the Financial Conduct Authority (FCA), and so are all the lenders we work with.
  • Search for a loan to suit you between £100 and £10,000.
  • Spread the cost of your loan with repayment terms from 3 to 60 months, depending on how much money you apply to borrow.
  • Our service is free to use and all quotes are no-obligation.
  • Check your eligibility today with no impact to your credit score.*

*Should you decide to make a full application for a loan with one of the lenders on our panel, you will be required to undergo a hard credit search. Please be aware that hard searches will remain on your credit file for up to 12 months and too many hard searches in a short space of time could negatively impact your credit score.

What was Dot Dot Loans?

Dot Dot Loans was a trading name of Shelby Finance Limited.
The company provided short-term loans from £100 to £1,000 with repayment terms of either 3, 6, or 9 months.
Shelby Finance Limited was authorised and regulated by the FCA.

What were Dot Dot Loans’ reviews like?

As of May 2024, Dot Dot Loans’ Trustpilot score is 3.9 out of 5.

What happened to Dot Dot Loans?

Sadly, Shelby Finance Limited entered into administration in November 2023.
Ed Boyle and Rob Spence of Interpath Ltd were appointed as Joint Administrators.

Can I still get a loan with Dot Dot Loans?

Dot Dot Loans is no longer trading and are therefore unable to accept applications.

Do I need to repay my Dot Dot loan?

If you have a loan with Dot Dot Loans, you should continue to make your repayments as usual, unless you have been advised otherwise by either Dot Dot Loans, Shelby Finance Limited, the administrators, or Lantern. You might find it helpful to read through this document for further information on what happens next.

On March 8, 2024, a number of Dot Dot Loans customers with balances outstanding were assigned to Lantern, a debt purchaser. Affected customers should have received communication about this.
Lantern can be contacted here. You can also find a selection of handy FAQs on their website which could answer any questions you might have.

Where can I make a complaint about Dot Dot Loans?

The Dot Dot Loans customer service centre closed on March 7, 2024. Any customer complaints or queries received after this date will not be answered by Dot Dot Loans.

Following discussions between the Financial Ombudsman Service (FOS) and administrators, it has been decided that the FOS will not investigate any associated complaints and they will instead be referred to the Joint Administrators.

You can find out more about submitting a claim here.

Dot Dot Loans alternatives

If you’re looking for loans like Dot Dot Loans, Little Loans could help.
We’re a credit broker, and we work with a large panel of responsible lenders. We can search for short-term, personal loans from £100 up to £10,000. Depending on the amount you apply to borrow, you could repay your loan in instalments between 3 and 60 months.

Who can search for a loan with Little Loans?

You can use Little Loans to search for a loan if you:

  • Are over the age of 18;
  • Are a UK resident;
  • Have a UK bank account with a valid debit card; and
  • Have a regular source of income paid directly into your bank account.

The Little Loans process

Using Little Loans as a Dot Dot Loans alternative is straightforward. We’ve broken our journey down below, so you know what to expect every step of the way.

  1. Choose the amount of money you need to borrow and select your ideal repayment term. Our online form should take less than 5 minutes to complete.
  2. Using soft search technology, we’ll scan our panel of lenders for a suitable match.
  3. If we’ve found you a loan, you’ll be redirected to the lender’s website. Here, you can find out more about the terms and conditions of the loan and decide whether you’d like to make a full application.
  4. Should you opt to go ahead with the application, the lender will ask you for some further information and carry out a hard credit search.
  5. Once the lender’s checks are completed, and if they’re happy with the results, you will be sent a loan agreement. Be sure to read through the terms and conditions thoroughly.

How quickly will I receive my money?

Some of the lenders on the Little Loans panel are able to send your money the same day your application is approved.
Remember, the time it takes for the money to appear in your account will depend on your bank’s policies and procedures.

Where can I get free money advice?

You can access a range of free, impartial money and debt management advice on sites such as StepChange, MoneyHelper, Citizens Advice, and National Debtline.

Check out our 4.8 star rating on Feefo

See more feefo reviews

Straight forward

“Easy pleasant service, quick decision and easy account management.”

Laurissa Marsden

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender