Check If You Qualify

Payday Loans

Usp Handshake

We offer an

Instant Initial Consultation

Usp Palm Wallet

We'll Help You

Lower Monthly Payments

Usp Hand Heart


Out of Debt Since 1989

What is a payday loan?

A payday loan is a form of unsecured borrowing, usually taken out to cover essential living expenses until the borrower receives their pay. If you’ve taken out a payday loan, ideally you’ll be able to make the required repayments and there won’t be a problem, but circumstances can change very quickly.

If you’re already experiencing cash flow problems, falling behind on a payday loan increases your risk of entering an inescapable cycle of debt, given the extremely high interest rates, and could even leave you vulnerable to bankruptcy.

Sharon McDougall Square

Sharon McDougall

Debt Adviser

Call: 0800 0639 250

Scotland Debt Calculator

Get a rough indication of what your repayments might be under each of our different debt solutions.

Your Total Debt

£0 - £5,000

£5,000 - £10,000

£10,000 - £20,000


Your Employment Status

I am employed

I am self-employed

I am unemployed

I am a student

I am retired

Your Total Monthly Income

£0 - £1,000

£1,000 - £2,000

£2,000 - £3,000


What can you pay monthly towards your debt?

£0 - £100

£100 - £200

£200 - £300


How do payday loans affect your credit record?

Payday loans can adversely affect your credit rating, including when you apply. If you need to take out several loans in succession you’ll be credit-checked each time, which negatively affects your credit rating.

When you miss a payday loan repayment your lender may also inform the credit reference agencies, which can make it more difficult to be accepted for borrowing in the future. Furthermore, if mortgage lenders see that you’ve taken out one or more payday loans, they may decide to reject a mortgage loan application.

Defaults remain on your credit file for six years, so what should you do if you miss a payment?

What can I do if I cannot pay my payday loan?

If you cannot afford your payday loan repayment you should get in touch with your lender straight away. They may be able to offer you an instalment plan that temporarily reduces your monthly amount.

They might also suggest that you roll over your payment to the following month. Both of these options will incur extremely high rates of interest and charges, however, and if you find yourself in the same situation the following month, this is where the debt cycle starts.

A further issue is that some payday lenders demand that borrowers sign a Continuous Payment Authority that gives them the power to take payment from a bank account. This means that money can be taken regardless of whether you need to use the funds for other expenditure, leaving you extremely vulnerable to severe financial problems, as well as high bank charges if you go overdrawn.

Scotland Debt Solutions can help

Scotland Debt Solutions has extensive experience of helping Scottish residents to deal with payday loans and other debts. There might be a simple solution available, such as putting together a workable budget.

Alternatively, if you have multiple debts alongside your payday loan arrears, a formal debt remedy may be the best option. For more information on how we can help, please get in touch with our partner-led team – we offer free, same-day meetings, and operate offices around Scotland.

Debt Report V2

Debt Report

Get your instant Debt Report

Common Debt Issues

Just some of the issues we can help you with

Overdraft Debt
Household Expenses

Overdraft Debt

Store and Credit Cards Debts
Stack Of Credit Cards

Store and Credit Cards Debts

Council Tax Arrears
Couple working out household debt

Council Tax Arrears

Mortgage and Rent Arrears
Rental House

Mortgage and Rent Arrears

Car Payments
Car Parking Fine on Windscreen

Car Payments

County Court Judgment
Court Order

County Court Judgment

swiper arrow next
swiper arrow next

We now do home visits

If you would prefer a meeting in the comfort of your own home, we are happy to arrange a date and time convenient for you no matter where in the country you are based.

Book a home visit


Useful Tools

Find a Local Office
Usp Signpost

Find a Local Office

We have five offices located across Scotland. Find your nearest one here.

Find an Office
Instant Scheduled Call & WhatsApp

Instant Scheduled Call & WhatsApp

Arrange a call with an expert advisor at a time to suit you or contact our team via WhatsApp for immediate help and advice.

Arrange Callback
Personalised Debt Report
Usp Planner

Personalised Debt Report

Our personalised debt report will help you better understand your financial position and see where your money is going.

Debt Report
map pin


2 Bothwell Street, Glasgow, G2 6LU

The Team

Meet our qualified Scottish based team

100% Confidential Advice

Chelsea Williams David Tannock Sharon McDougall Square Kelly Jones

We'll give you a call

Our Scottish based team can help advise you on your debt problems.

Here at Scotland Debt Solutions we take your privacy seriously and will only use your personal information to contact you with regards to your enquiry. We will not use your information for marketing purposes. See our Privacy Policy.

The Team

Meet our qualified Scottish based team

100% Confidential advice

Chelsea Williams Thomas Mckay Kelly Jones Tannock1


Additional Debt Advice

Our Insolvency Practitioners are regulated by ICAS or the IPA and our firm is authorised and regulated by the Financial Conduct Authority

Fees and Information: There are fees associated with our services. These will be fully explained before entering into any of the personal debt solutions referred to on this website. Full details of our fees and how these are charged are fully explained to you prior to you committing to any particular service.

ICAS Insolvency Practitioners