Welcome to Conduit Scotland

A fair and affordable loan service

Our team know there are times when we all need a little extra help on the money front, and in those times of need we can provide loans of up to £1,500. As a fair and affordable lender, we make it quick and easy to bridge the money gap when you need it most.

Fast. Fair. Flexible.

Borrow with a community lender you can trust.

APR 99.8% Representative

Our loans are also substantially more affordable compared to these other lenders….Morses, Provident, Sunny, Loans at Home, Forth Financial Services, Satsuma, Skyline Direct, Handycash Home Credit and so many others.  It’s very easy to apply and loans are designed to suit you!!!

Dunfermline Shop Front
Dunfermline Shop

The table below provides examples of repayments for loans over 26 or 52 weeks only, however we can offer flexible repayments from 4 to 52 weeks. For a tailored quote for your individual circumstances please contact one of our shops.. For a tailored quote for your individual circumstances please contact one of our shops.

How much would you like to borrow?


How long for?



Please note: the above is an illustrative quote only and payment amounts and dates may vary. Terms & Conditions Apply.

Borrowing £200 over 26 Weeks Would cost you £9.61 per week

The total you would repay is £238.16

The amount and payment term you have selected is not currently available by our online portal. Your loan may be offered depending on your affordability and circumstances. Please contact us for more information.

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Competitive Rates

Representative example: A £500 Conduit loan over 52 weeks; total charge for credit £197.32; 52 repayments of £13.41 per week. Repay £697.32 at 99.8% APR (Fixed). Compared to some lenders, we can save you up to £230.00 in interest. See below comparisons of how much you pay back for a £500 loan over 52 weeks.


You Pay
£13.41 per week
99.8% APR*



You Pay
£18.00 per week
299.3% APR*


Savings: £238.68

Morses Club PLC

You Pay
£17.50 per week
272.2% APR*


Savings: £212.68


You Pay
£19.13 per week
% APR*


Savings: £297.44

Examples taken from company websites and correct at time of publishing (May 2019). In addition to interest saved, we charge no admin or hidden fees.

Apply online here

Prefer to apply by phone? Call us on: 0300 111 0559

99.4% of customers would recommend us

99.9% of our customers trust us

Very easy to use also staff are so understanding. Great company will continue to use yourselves and would recommend to friends and family.

Josephine, Broxburn

A personal touch is given to customer and I was kept informed. Excellent level of service.

John, Kirkcaldy

The first resort to go to when I need an extra financial input. Paying back is painless.


It is very easy to apply for a loan with Conduit Scotland and I had a very quick response.

Irene, Glasgow

Even though I was turned down this time for the loan, the follow up call was great as now I might be able to get my credit history sorted for the future. also I haven't looked at energy costs in years and would not have done without this help.

Robert, Kirkcaldy

As a low cost loan provider Conduit definitely helps with access for low income households. Getting a loan from Conduit was unexpected as my credit rating is terrible. This has helped me to increase my score. Very helpful and knowledgeable staff and very nice people.

Philip, Falkirk

6 reasons to borrow from us

Easy to apply

Fast. Fair. Flexible

Cheaper than most lenders*

No hidden fees

Online, telephone & face to face services

99.4% of customers think we’re great!

Calculate Loan FAQ's

Question? Get in touch with our team: 0300 111 0559