Unfortunately they now refuse to cater for elderly or people who dont use mobiles or tech. They dont answer telephones and dont give call backs after leaving messages, this has landes a few people i k... See more
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See what reviewers are saying
Just be careful if you deal with this company because if you miss payments, then they’ll deduct money every month from your benefits, that’s if you’re claiming benefits. It doesn’t matter to them if y... See more
Hi I don’t usually write reviews but I was surprised how lovely scotcash were . I went through a difficult time and when I call scotcash they were absolutely brilliant . When I told them my situation... See more
what a disgusting company who show their customers no loyalty at all. I had a loan with them and have NEVER missed a payment and they said i was eligible for a top up loan. I applied for that and my c... See more
Company details
Information provided by various external sources
Scotcash CIC is a Glasgow-based, not-for-profit social enterprise offering affordability loans, plus help with opening basic bank accounts and Credit Union savings accounts.
Contact info
High Street 55, G1 1LX, Glasgow, United Kingdom
- 0141 276 0525
- info@scotcash.glasgow.gov.uk
- www.scotcash.net
2.5
Poor
55 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Sad really
They won't give you a loan they will keep you waiting 2/5 days we waited four to be told no and they hard search your credit file so it's all damage I'd avoid if I was you you will only waste you time a d damage you score further. They want your money not to help you. Typical human greed. We applied for a 1000 in was reduced to 323 then rejected.
October 18, 2021
Unprompted review
Reply from Scotcash
When we are considering a loan, it is normally a 48 hour turnaround however we dont work weekends, and if we have a lot of applications, it can take a bit longer. We are sorry that you had to wait a little longer. When applying- it is advised that a credit search will be undertaken. We also look very closely at Income and Expenditure and when that is assessed, there are occasions where we arent able to consider the amount which has been applied for as it would be considered unaffordable. We appreciate that you are disappointed your were declined but regrettably we aren't able to assist in every circumstance and it does depend on each application.
Absolute garbage of company interest…
Absolute garbage of company interest rate criminal after looking around found better companies and lower interest rates. Not use this lot these people criminals put people in further debt £58 pound interest on £100 plus admin fees write to mps in Scotland this company bad
June 10, 2021
Unprompted review
Reply from Scotcash
We have never claimed to be a "cheap" alternative Andrew- however we are cheaper than a lot of the alternatives available to people who are unable to go to their Bank for a loan. We are a "Not for Profit" Community Interest Company and we try to provide loans as cheaply as possible for the people who use us. Credit Unions are an alternative and where possible we encourage people to use their services for loans. We are members of the " Responsible Finance" trade body https://responsiblefinance.org.uk and we would urge both you and anyone reading your review to look at their website as it will explain a bit more about Scotcash and the other companies who try to do what we do. It will hopefully give a more informed view for anyone who may be in doubt.
Dissapointed
Got my first 2 loans without any issue, went to get the latest one and even after providing everything for them it's still not enough. Not a good way to treat existing customers who have never missed any payments. Very disappointed in this latest service.
June 10, 2021
Unprompted review
Reply from Scotcash
We are sorry you were disappointed with our service this time Alison, we try very hard to help as many people as we can however sometimes there are circumstances which exist which mean that a loan is not possible at that particular time. We are happy to have someone call you to discuss your own situation with you if you can message us accordingly.
Hi just to say thanks to scotcash ave…
Hi just to say thanks to scotcash ave been with use a few years now always ready to help good rates easy to get set up over all very happy with them staff friendly in person and on the phone 🙂
February 21, 2021
Unprompted review
Reply from Scotcash
Thank you Alex - for taking the time to put a review on and also for your kind comments. Much appreciated.
i have had 2 loans with Scotcash
i have had 2 loans with Scotcash and both times i have had excellent service from them the latest one was offered to me when i had almost paid off the 1st loan
there is no increase in the payments and you can pick how you want to pay back weekly fortnightly or monthly
Got a quick decision and the loan was payed into my bank within the hour will be Appling again soon
February 18, 2021
Unprompted review
Reply from Scotcash
Thank you for the positive review - and for taking the time to do it. Its much appreciated.
Would definitely recommend.
Wonderful company, very helpful staff. Would definitely recommend.
February 18, 2021
Unprompted review
Reply from Scotcash
Thank you for your positive feedback - we really do appreciate it!
I find scotcash to be very helpful.
I find scotcash to be very helpful.. the process is easy enough and definitely a welcome relief to most other companies ..
February 18, 2021
Unprompted review
Reply from Scotcash
Thank you Sammi- as a small Community Interest Company we unfortunately arent able to help everyone but its nice to know that when we can, its a positive experience for our customers. Thanks again!
VERY GOOD SERVES AND HELP ME THE LOAN…
VERY GOOD SERVES AND HELP ME THE LOAN MORE THAN THREE TIM THANKS.
February 17, 2021
Unprompted review
Reply from Scotcash
Thank you very much for your excellent feedback- we try very hard to provide a good service and its lovely to know its appreciated. Thanks again!
Recent experience
I recently applied for a loan with Scot cash twice now...they have friendly and helpful staff to help with any enquiries or if you have difficulty in keeping up with payments...I would highly recommend them.
February 17, 2021
Unprompted review
Reply from Scotcash
Thank you for your positive feedback Rosemary- its much appreciated and we will pass on your comments to our staff.
excellent service i have been with them…
excellent service i have been with them 3 years and if you send them what they need they are pretty quick during this pandemic ive had 2 loans accepted and paid in less than 5 days and marion was very good keep up the good work guys .
November 12, 2020
Unprompted review
Reply from Scotcash
Thank you for your positive feedback Nicola. We have passed on your compliments to our staff member.
Got first two loans no problem
Got first two loans no problem. Tried to get another one , circumstances hadn't changed still had the same outgoings same income etc.. Never misses a payment... They rejected. Ever since I cancelled the direct debit all I've had is threatening texts and emails. I stated I'd pay it up at a lesser rate if they cancelled the interest, but no still no help , something is better than nothing. Now they are getting nothing.
October 27, 2020
Unprompted review
Reply from Scotcash
When considering a loan application it is not just income and expenditure which is assessed. Credit reports are also checked for any deterioration and unfortunately there are some instances where another loan is not possible at that time.
Friendly and knowledgable
I applied around a year ago and was refused due to not being able to show that I had funds coming in on a regular basis. I reapplied in July when my situation was a bit better and was accepted . The staff all seenmvery friendly and helpful and the interest rate wanst unreasonable at all. Well done guys
October 2, 2020
Unprompted review
Reply from Scotcash
Thanks you for your feedback Andy. We try to help in as many situations as we can and glad it worked out for your situation when it improved.
Wish I never tried this company
Wish I never tried this company, got refused online then I get email saying if I can send in bank statements ect they will have a look if this has been the right decision!
Have them access to my bank and other documents and heard nothing for 3 days.
Then I receive a text asking to call them so I call and get answer machine.....no respond!
No decision if I was accepted or not How dodgy is this company!
August 7, 2020
Unprompted review
Reply from Scotcash
There are occasions where we review the original decision, where we feel there may be a possibility we could assist- and on those occasions we contact applicants to see if they would like us to re-assess their application. We ask for statements to be sent in at that point and if we need further information we will try to contact the customer. Our phones are very busy- and will provide a voicemail service if there is no one available to take the call at that time. If a message was left- at least 3 attempts would be made to get back to the person. if not further contact could be made, the application would be closed off.
Waste of time
Waste of time, completely useless
Edit*
The length of time it’s taken for a reply here is about the time you’ll wait to hear anything off of this lot. Send in all documents they request and takes months for them to get back to you. Also I do not know if I was “accepted” as I gave up when I never heard for months then one of you’re agents replied 6 months later asking if I was still looking for a loan ?! Haha waste of time like I said
July 2, 2020
Unprompted review
Reply from Scotcash
We are unsure why this would be posted as a comment with no further details but we assume we were unable to assist this person with a loan. Unfortunately- we aren't able to approve a loan for everyone and it depends on their financial circumstances at the time
Thank you for your further comments Jonathan. It has indeed taken us a while to respond to your original sentence, however there was an issue accessing TP when working from home which is now resolved. We would however like to look into the matter you have raised and have messaged you separately for your details.
Muppets
Like most declined tryed several in year same outcome got ok credit yet don't approve me. Also think prefer people struggle rather someone who can. Pay them back but say that I don't meet there criteria haha Muppets
May 12, 2020
Unprompted review
Reply from Scotcash
We arent able to assist in every case unfortunately. Many things are taken into consideration when assessing a loan application, income & expenditure, affordability, and we do check credit reports. If there are things within any of these categories which are a concern, we would be unable to approve a loan.
Second time customer. Very Happy.
I am now just waiting on receiving my second loan from Scotcash. Again it was easy to apply, easy to provide them with the proof they required and very easy to adjust my monthly payments when I wanted to pay a bit more than required each month. Each step of the way I have been able to get any advice / information I needed and at all stages I have been given the options to access the full range of services they offer.
April 28, 2020
Unprompted review
Reply from Scotcash
Thanks for your feedback Laura- we really appreciate it. We are a small Community Interest Company trying to provide the best service we can for as many people as we can and it is nice when someone takes the time to say thanks!
Avoid if you can
Got loan easy enough but paying it back inline with my wages means I'm paying and it's not going down by much so far I've paid almost £200 but my balance has only 54 taken off baring in mind I got £500 loan but was given £470 wouldn't do it if you have another option.
March 14, 2020
Unprompted review
Reply from Scotcash
We are sorry that you feel it isnt something you would do again Rozlyn. While our interest is higher than mainstream banks, it is lower than a lot of the alternatives and as a small Community Interest Company, we charge the lowest interest rate we can to cover our overheads. You can make additional payments at any time, even a few pounds make a difference.
Poor service
Poor service. Make you jump through hoops yet to proof or evidence you provide is good enough and they just want to prolong the process. Would avoid
February 21, 2020
Unprompted review
Reply from Scotcash
We are sorry you felt like that about your application process. We are required by regulatory guidelines to ask for certain information, to verify income and expenditure and also affordability, and until we have that information we are unable to make a decision on a loan.
loan today
Was in today and got loan gillian helped me get overdraft fees sorted and refunded told me info on sorting my money out which should have been sorted years ago and did all online stuff for me which I don’t really like doing that much gave me her number to speak to her about any problems 10 out of 10 for today thank you very much
February 10, 2020
Unprompted review
Reply from Scotcash
Thank you so much Gordon- its lovely when someone takes the time to provide a thank you and positive feedback for our staff who try their best on a daily basis to assist customers in whatever way they can. Your feedback has been passed to our staff member. Thanks again !
nice little company
didn't know what to expect but would come back just for the staff really nice lady who done my loan to speak to over the phone. I didn't really want to discuss my money with a stranger but she was great didn't judge just based it on what i get and what i can afford
January 29, 2020
Unprompted review
Reply from Scotcash
Thanks you Laura- we are so glad that you found the experience to be friendly and helpful.
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