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Welcome to PayPlan Scotland – we’re with you every step of the way

We’ve been offering free debt advice for 30 years helping people to get their finances under control. Our specialist team, PayPlan Scotland, specialise in providing tailored advice and guidance for residents in Scotland who are experiencing debt problems. If you have been referred by an organisation for advice and support with your debts, then you’re in the right place! You can complete this on your own or with help from your adviser – simply fill in your details on our form.

How we can help

If you have debts, and are worried about keeping up with your payments, we can help you to get them under control

We can advise you on the range of options available to you

We can help with advice on legal action, benefits and more

Our expert advice is completely FREE and confidential

If you’re an organisation and would like help referring a client or to talk to our partnership team, please get in touch.


Fill in our simple, 3-step form to get immediate debt help and advice.

100% secure and confidential

If you select online:

You’ll get instant access to our online, debt solution tool, PlanFinder. This will ask for details of your current circumstances which will give our specialists the information they need to work out what help is available to you. Once you’ve completed it, you’ll have the option to chat to an adviser by email or Live Chat.

If you select phone:

One of our specialists will give you a call at your preferred time to go through details of your monthly budget. They’ll then let you know what help is available to you, based on your individual circumstances.