Last updated: July 2026
1. Accepting these terms
By accessing and using this website you agree to these terms and conditions, together with our privacy policy and cookie policy. These terms apply from your first visit, and your continued use of the site confirms your agreement to them.
2. Who we are
Dot Dot Loans is a trading name of PJG Financial Limited, a company registered in Scotland (company number SC535782) with its registered office at 5 South Charlotte Street, Edinburgh, EH2 4AN. PJG Financial Limited is authorised and regulated by the Financial Conduct Authority for credit broking, firm reference number 919697, and is registered with the Information Commissioner's Office, registration number ZB537016.
3. Our service
We are a credit broker, not a lender, and a personal loan matching service. We introduce you to a panel of FCA authorised lenders and brokers who may be able to offer you a personal loan from £100 to £5,000. We do not lend money ourselves, and we do not decide whether you are accepted, that is a matter for the lender. Being matched with a lender is not a guarantee of approval. Lenders on our panel carry out their own affordability and creditworthiness checks and decide whether to lend.
4. Providing accurate information
When you give us information through this site, it is your responsibility to make sure it is accurate, complete and truthful. We rely on what you tell us. If we find the information to be false, incomplete or misleading, we may end your access to the site, and any misrepresentation could breach agreements with lenders and may have legal consequences.
5. Our obligations to you
We provide our service to you, our customer, and have no responsibility to any third party. If someone uses our service on your behalf, our obligations still rest with you alone.
6. Links to other websites
This website contains links to third party websites that PJG Financial Limited does not control. We are not responsible for the content or the way those sites work, and the links are provided only for convenience and do not imply any endorsement. You use any linked site at your own risk.
7. Fees and commission
Our service is completely free for you to use. If we introduce you to a lender and you take out a loan, that lender may pay us a commission, and you never pay us a fee. You can read more on our how we make money page.
8. Changes to these terms
We may update these terms from time to time. The version published on this page applies to your use of the site, so please check back from time to time so that you are aware of any changes.
9. Contact us
If you have any questions about these terms, contact us using the details on our Contact page, or write to PJG Financial Limited at the registered office above.
10. Your right to cancel
Where our credit broking service is provided to you as a distance contract, you have the right to cancel within 14 days of entering into it, without giving a reason. As our service is free to use and you pay us nothing, cancelling has no cost to you. To cancel, contact us using the details on our Contact page. Cancelling our broking service does not by itself cancel any separate agreement you enter into with a lender, which has its own terms and cancellation rights.
11. Complaints
If something goes wrong, we want to put it right. You can raise a complaint through our complaints process or by writing to PJG Financial Limited, 5 South Charlotte Street, Edinburgh, EH2 4AN. If you are unhappy with our final response, you may be able to refer your complaint to the Financial Ombudsman Service.