Compare Our Rates

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


Based on a loan of £500 repaid over a period of 6 months:

  Scotcash Sunny*
Loan amount
£500.00 £500.00
Admin fee £30.00 -
Monthly repayment £110.83 £165.53
Number of repayments 6 6
Total amount repayable £694.94 £993.23
APR 246.6% APR^ 1293.0% APR*
Total Saving £298.29  

*Loan featured on as at March 2019. 
^Rates may vary, terms and conditions apply.  

Representative Example: Loan amount £400.00 repayable over 52 weeks. Total amount repayable £686.25 made up of £24.00 admin fee, 51 payments of £12.75 and 1 final payment of £12.00. Interest 105% p.a. fixed. Representative 243.8% 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."