Compare our rates

All our loans are means tested and we only lend what we know you can afford, so you know you are in safe hands with a Scotcash loan.

Below is a comparison which shows the advantages of Scotcash over a typical online credit company.

Based on a loan of £800 repaid over a period of 12 months:

Scotcash Lending Stream*
Loan Amount £800.00 £800.00
Admin Fee £48.00** -
Monthly Repayment £105.79 £165.54
Number of Repayments 12 12
Total Amount Repayable £1,269.57 £1,563.20
APR 197% APR^ 325% APR*
Total Saving £293.96

*Loan featured on as at August 2022.

** Taken from loan amount paid to you.

^Rates may vary, terms and conditions apply.

Representative Example: Loan amount £488.00 repayable over 9 months. Total amount repayable £682.47 made up of £29.28 admin fee (taken from loan amount) and 9 payments of £75.83. Interest 105% p.a. fixed. Representative 174.5% APR.

What our customers say:

The difference with Scotcash is huge. For a start the interest rates aren’t as high so I repay much less. And the people here listen to me. They understand my circumstances and if I have a problem I know I can come and talk to them.

Do you need help?

At Scotcash we provide personal loans starting from just £100. We provide a cost effective alternative for loans where a bank or building society cannot help.