Safe. Fast. Affordable.

For Scotland, My Scotland Payday is the leader in payday loans. Borrow as much as $1000 today.

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Why Choose Us?
Our rates are quite normal.
We aren't any different than other lenders in pricing. You can expect to pay comparable amounts at any lender in the country, but that's not where we distinguish ourselves from the competition.

We are friendly!
Some lenders are frosty and unpleasant to deal with. They make it seem like they are doing you a favour by doing their jobs. We're completely different: we know that you have options, and we are thrilled that you've chosen us. We'll bend over backwards to ensure your satisfaction. Check out all these rave reviews for more proof.

We are fast!
Direct deposit gets you your funds in a matter of minutes. Compare that to our competitors in the storefront business. You don't even have to leave your home. That makes us the clear choice for your short term borrowing needs.
Tell Me More
Bad credit isn't a problem
Everyone has made mistakes, but not all of them show up on a credit report. Just because yours did doesn't mean you shouldn't be eligible for a loan. We understand that there are complications, and that's why we structure our products to allow virtually anyone to qualify.

You can talk to us
Sometimes web applications aren't very intuitive, even though we have tried our hardest to make our application as easy as possible. If you find it confusing in any way you can phone us at 013 1608 0433, from 8am to 8pm and we'll help you figure it out.

We're 100% online
You can come in to talk to us in person, but we don't give out funds in cash. All transactions must be done over the internet. Don't let that you stop you from saying hello, though!
The Good Practice Charter
What is the Good Practice Charter about?
The Good Practice Charter is our promise to:
  • Give clear information about how a payday loan works and an example of the price for each £100 borrowed, including fees and charges.
  • Not pressurise customers to take out a loan or roll over the term of an existing loan agreement.
  • Carry out proper and appropriate affordability assessment and credit vetting to check that customers can afford the loan.
  • Set out clearly how continuous payment authority works and the customer's rights to cancel this authority, so they can decide if this type of repayment is acceptable to them.
  • Notify customers at least three days in advance of recovering payments through a continuous payment authority.
  • Freeze interest and charges if a customer is in financial difficulty and making payments under a repayment plan, or after a maximum of 60 days of non-payment.
We Lend Across Scotland