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Alternative to Dot Dot Loans

If you are searching for Dot Dot Loans you need to know that they entered into administration in November 2023 and are no longer able to offer any new loans. However, if you are looking for a loan, Fair Finance can help. We are a direct lender and can offer loans of up to £1000 for new customers, depending on affordability. And, as our name implies, we believe in offering our customers a fair deal, whatever your credit history.

Looking for Dot Dot Loans? They have stopped lending, but Fair Finance is still here to help.

We specialise in providing short term loans and offer instant decisions. Plus, if approved, we'll send the cash to your bank in 90 seconds.


Loan amount


Duration of loan

39 weeks






Administration Fee


Total to repay

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Calculation is for illustrative purposes only. Actual repayments and costs may vary.

Representative Example: Borrow £500 over 6 months. Total repayment including interest and fees is £737.40. Monthly instalments of £117.90 and a one off 6% administration fee of £30. Interest (fixed) is 249% per year with a representative 341.41% APR.

New customers can apply for a loan of up to £1000 for between 6 and 12 months. Existing customers can apply for a loan of up to £3,000 for a maximum 18 months.

Why choose Fair Finance as Dot Dot Loans Alternative?

We provide affordable Loans

Online Application

Simple online application form with instant decision.

Fast approval

You will receive a text or an email confirming your application.

Money in 24 hours

We aim to provide funds within 24 hours.


A representative 341.41% APR. Between 6 and 12 months.

Fair Finance - Your Alternative To Dot Dot Loans

We provide affordable Loans

Fair Finance offers loans of up to £1000 for new customers.

Our loans are repayable over a period between 6 and 12 months, in monthly or weekly installments.

Use the slider above to enter the amount you want to borrow, and the period over which you want to repay it to help you decide if we could be a good alternative to Dot Dot Loans for you.

At Fair Finance we look at every loan application individually and judge each case on its merit.

As a non-profit lender, we will consider lending to you even if you have a poor credit history.

We are more interested in your present circumstances - and the affordability of your loan - than the past.

So in that respect we are also a good alternative to Dot Dot Loans.

Fair Finance is a direct lender and we are fully regulated by the FCA (Financial Conducts Authority).

We believe in offering a fair deal and are very open and transparent about all our costs. When you take a loan with us, we will tell you up-front exactly how much it will cost.

There are no hidden charges or nasty surprises.

Another reason why Fair Finance is a good Dot Dot Loans alternative is that you are able to repay your loan earlier than planned if you are able to do so.

You can do this at any time within the repayment period of your loan and there will be no extra charge for doing so.

You could also save money on the interest on your loan by repaying it early.

Fair Finance

  • Fair Finance is a direct lender which is still lending. We are able to offer loans to new customers.
  • Fair Finance can offer loans of up to £1000 for new customers.
  • We are a not-for-profit lender which means that we always aim to offer you a fair deal.
  • Fair Finance is rated excellent by customers with a score of 4.9 out of 5 on Feefo.
  • We take time to deal with your loan on an individual basis and, if approved, we will get back to you within 24 hours.

Dot Dot Loans

  • Dot Dot Loans was also a direct lender, but they are in administration. They are no longer able to offer loans to new customers.
  • Dot Dot Loans also used to offer loans of up to £1000 but are no longer able to do so.
  • One reasons Dot Dot ceased trading was financial stress from offering unaffordable loans.
  • Dot Dot is now facing lots of compensation claims for offering unaffordable loans.
  • If Dot Dot approved your loan, they used to send the cash within one hour.


Why should I come to Fair Finance?

Fair Finance is a social enterprise.

We aim to tackle financial exclusion. We build products for people with financial problems. We offer the cheapest price we can that is responsible and sustainable.

We are actively transparent clear and honest.

I am not working can I apply for a loan?

Yes, we lend to those who are working or are on benefits.

What if I had bad credit history can I still apply?

We aim to tackle financial exclusion and build products for people with financial problems. Please visit our dedicated credit page for more information.

We are actively transparent clear and honest.

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