What Dot Dot Loans does

Dot Dot Loans (operated by PJG Financial Limited, trading as DotDotLoans.co.uk) is a UK-based online credit broker, not a lender, that matches UK consumers with FCA-authorised lenders on its panel. The service is free to consumers; the company is remunerated via commissions paid by lenders when a matched customer proceeds to a formal loan application. Loan amounts range from £100 to £5,000 over terms of 3 to 36 months, with a representative APR of 79.5% and a published range of 48.1% APR to 1721% APR, positioning the platform in the subprime and short-term credit segment.

The core technology is a soft-search eligibility engine: customers complete an online quote form, the platform performs a soft credit check that does not affect the borrower's public credit file, and the application is routed to panel lenders for independent affordability assessment. If a lender offers a loan, the customer is redirected to that lender's website to complete the application and receive funding — Dot Dot Loans itself does not underwrite or fund loans and does not perform hard credit checks. The platform cites an average payout time of approximately one hour (subject to lender approval and Faster Payments support) and an operating volume of roughly 1,600 quotes per day. Distribution is entirely digital and direct-to-consumer, anchored on the DotDotLoans.co.uk domain and supported by an extensive content library covering credit scores, payday loans, soft-search loans, and bad-credit lending topics.

The business is operated by PJG Financial Limited, a Scottish private limited company authorised and regulated by the Financial Conduct Authority (FRN 919697) and registered with the ICO (ZB537016). The current operating entity assumed control of the DotDotLoans.co.uk domain in 2026 following the collapse of the previous operator, Shelby Financial Limited, which ceased trading via a Scheme of Arrangement. The customer base is horizontally segmented across the UK, focused on individuals with limited or poor credit histories seeking short-term funds for unexpected expenses; the company has 251–500 employees, no disclosed investors, no parent company, and no disclosed funding rounds.

Name

Dot Dot Loans

Legal name

PJG Financial Limited

Website

https://dotdotloans.co.uk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

251–500 employees

Short description

Dot Dot Loans, operated by PJG Financial Limited (FCA FRN 919697), is a UK online credit broker that matches consumers with FCA-authorised lenders on its panel, generating revenue via lender commissions on loans ranging from £100 to £5,000.

Ownership category

akta.pro rank

Product category

Consumer Credit Brokerage

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

Keywords

• Consumer credit broker
• Short-term lending
• Bad credit loans
• Payday loans
• Loan comparison platform

Headquarters

HQ city

Nottingham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Lender Commission: Dot Dot Loans is a free-to-use service for customers. The company generates revenue by receiving a commission from lenders when a customer takes out a loan through the platform after being matched with a lender.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Dot Dot Loans is a UK-based online credit broker (not a lender) that connects consumers seeking short-term loans with FCA-authorised lenders on its panel. Customers complete an online quote form, the platform runs a soft-search eligibility check, and matched customers are redirected to a lender's website to complete a formal application. Loans range from £100 to £5,000 with terms of 3 to 36 months.

Product overview

Dot Dot Loans is a free-to-use UK credit broker (not a lender) that helps consumers find and compare short-term loans. The core service searches a panel of FCA-authorised lenders to match borrowers with suitable loan products. Loan offerings range from £100 to £5,000 with repayment terms of 3 to 36 months. The main products include payday loans for bad credit, small loans, and same day loans. The service features a soft-search eligibility check that does not affect the user's credit score, differentiating it from direct lender applications.

Differentiator

Problem solved

Functional benefit

Products and services

• Loan Broker Service Free-to-use credit broker service that matches UK borrowers with FCA-authorised lenders on its panel for loans from £100 to £5,000 with terms of 3 to 36 months, using a soft-search eligibility check that does not affect the customer's credit score.
• Payday Loans for Bad Credit Short-term borrowing options matched via the broker panel for individuals with poor or limited credit histories, typically £100 to £1,000, intended for urgent expenses.
• Small Loans Short-term borrowing options matched via the broker panel for modest everyday expenses, usually £100 to £1,000, often used for emergency repairs, urgent bills, or unexpected expenses.
• Same Day Loans Loan matches where funds are paid into the borrower's account on the same day of application approval, typically £100 to £5,000 with varying repayment terms, subject to lender approval and Faster Payments support.
• Soft Search Loans Loan eligibility matching service that uses a soft credit check which does not impact the user's credit score, allowing borrowers to explore panel options without risk before any hard check.

Quantifiable outcome

• Average payout time of 1 hour
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• FCA-Authorised Lenders PanelcoreChannel Partner/ Reseller/ DistributorDot Dot Loans works with a panel of FCA-authorised lenders and brokers to help connect customers with loans. Lenders on the panel assess applications independently and decide whether to offer a loan. The specific lenders are not individually named.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• MoneySupermarket Group: UK's largest price comparison platform covering loans, credit cards, and other financial products. Directly comparable to Dot Dot Loans in the loan-comparison user experience, but at vastly greater scale and brand recognition, including in the bad-credit/loans-for-poor-credit sub-segment.
• Compare the Market: Major UK comparison site offering loan comparison alongside insurance and other verticals. Operates a similar lender-panel intermediation model and targets the same consumer shopping behaviour for personal loans.
• GoCompare: UK financial comparison platform covering loans, credit cards, and insurance. Directly comparable broker/intermediation model with multiple lender panels and similar affiliate revenue mechanics.
• TotallyMoney: UK credit comparison and eligibility-checking platform, with a strong focus on soft-search credit card and loan matching. Closely comparable to Dot Dot Loans in product mechanic and target borrower.
• Loans Warehouse: UK credit broker panel manager and introducer for subprime and specialist lending. Comparable broker model serving the same under-served borrower segment through a panel of FCA-authorised lenders.

Emerging players

• ClearScore: UK credit-scoring and card/lender matching platform offering free credit scores plus product eligibility matching. Overlapping customer base of credit-curious consumers and similar soft-search-style matching mechanic.
• Credit Karma UK: UK consumer credit comparison platform offering free credit scores and matched product recommendations. Comparable in target audience (credit-curious consumers) and soft-search eligibility comparison.

Broad incumbents

• Experian UK: Major UK credit bureau and consumer credit information provider. Comparable in the credit-decisioning data layer and increasingly in lender-matching consumer experiences via its marketplaces.
• Amigo Loans: UK guarantor and subprime lender historically serving borrowers with poor credit. Comparable end-customer and product positioning (bad-credit personal loans) though Amigo is a direct lender rather than a broker.
• Sunny (Elevate Credit): UK subprime short-term lender serving similar bad-credit borrower needs. Comparable customer profile and price band, but operates as a direct lender rather than as a broker/intermediary like Dot Dot Loans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dot Dot Loans