Welcome to Conduit Scotland!

Conduit Scotland are a community based, not-for-profit responsible lender offering fair and affordable personal loans (£100-£1000) and we present an alternative solution to high cost credit.

We are a very different kind of lender.



Conduit Scotland are a wholly owned subsidiary of Five Lamps, a social enterprise which offers services to create opportunities and transform lives.

We’re a different kind of lender, as a Community Development Financial Institution (CDFI), we take our responsibilities and commitment to our customers and stakeholders very seriously.  We are here to support individuals, families and communities by offering lower cost, affordable and flexible loans that best fit with the circumstances of each individual.  Everyone is different and everyone has a different story. We recognise, that people face financial crisis for a wide range of reasons and that’s why our team consider all applications regardless of credit history. You’ll be reassured to know that we are regulated and monitored by the Financial Conduct Authority.

Additionally, we work closely with local services to signpost to further help, support and advice in the community.

And in partnership with the Money Advice Service,  local authorities and community based agencies, we’re contributing to the long term financial sustainability of individuals and communities by being part of a network that builds financial strength, creates opportunities and improves the lives of many people.

Information for our local partners


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