Revolvaloans offer you a convenient way to access additional money without the need to complete a new loan application every time and are a fairer alternative to overdraft charges and credit cards.

Simply follow these steps

1. Apply for your initial Revolvaloan
2. Once approved, you will receive a personal borrowing limit (between £600 and £2,500)
3. When you need to top up the loan; you can request a further advance (min £50).

Revolvaloans come with a minimum set repayment amount based on your payment frequency and your borrowing limit. As long as you’re paying at least the minimum repayment amount you can choose your own deduction and, if necessary, can vary this over the course of the loan as your circumstances change.

Every loan application is carefully and individually assessed; decisions are based on a range of factors, always considering your income and expenditure and ability to repay.

Please note from 22 May 2025 we will not be accepting loan applications from new members. Our online membership form will reflect this as soon as possible but any loan application completed on this form will not be processed. We are sorry for any inconvenience this may cause.

Processing time for loans is currently five working days.

Revolvaloans

16.1% Representative APR

The table below shows the minimum repayment levels.

Revolvaloan Limit	Weekly Deduction	Fortnightly Deduction	4 Weekly or Monthly Deduction
Up to £1,500	£10	£20	£40
Over £1,500	£20	£40	£80

Revolvaloan Terms & Conditions

View Our Current Loan Interest Rates

At Scotwest, we help members who are struggling with their Scotwest loans. If you are experiencing debt problems, make sure that you get help straight away by speaking to your lender in the first instance before it spirals out of control. You can read guides on borrowing money and take the Debt Test from the team at Money Advice Scotland on our website here: scotwest.co.uk/borrowing-money