Loans in Scotland – FAQs
Do you offer loans in Scotland?
Yes. We offer loans in Scotland. You can apply online if you live anywhere in Scotland.
Do you have a branch in Glasgow?
No. But, if you’re looking for loans in Glasgow, you can apply with us online. We review every application carefully and aim to give you an answer within 2 working days. We also have lots of partners we work with in Glasgow to ensure that we can offer signposting and support near to you.
How do I apply for a loan in Scotland?
Applying is simple:
- Complete our online application
- Send your bank statements securely
- We review your information
- We contact you with a decision
We’ll usually be in touch within 2 working days, Monday to Friday.
Do you only look at my credit score?
We look at more than just your credit score but we will look at your credit history to check you are currently making your credit repayments.
We check your income, your bills, and your bank statements to make sure the loan is affordable for you now and for the length of the loan.
We know that costs and benefits can be different in Scotland and we take this into account in your application.
Can I get a loan in Scotland if I receive benefits?
Yes. We understand people have different types of income.
We include Universal Credit and most benefits as income when we assess your application. We may ask if you have any deductions so we can make sure the loan is right for you.
Can I pay my loan back early?
Yes. You can pay back early at any time.
We calculate interest daily. This means you only pay interest for the time you have the loan. Paying early can reduce the total cost. There are no extra fees for paying early.
What happens if I miss a payment?
Please talk to us as soon as possible.
We understand that things can change. If you pay within 5 days of your missed payment, it won’t show as missed and you won’t be charged extra interest.
We’re here to help you get back on track.
What if I’m declined for a loan in Scotland?
Sometimes we can’t offer a loan. This may be because we feel the loan is not affordable for you right now. If that happens, you can apply again in the future if your circumstances change.
You will be able to access our MoneyToolkit which can provide local support to see if you could get more income, reduce your costs or be eligible for grants.
Does your benefits checker work for people in Scotland?
Yes, it works based on your postcode so it can provide localised support from Glasgow to Portree! You can also choose for it to be in Gaelic if that is your preferred language. Find out more here.
I struggle with online forms - can I still apply.
Yes, you can call our customer care team on 0345 643 1553 who can help you with the process.
