Financial Inclusion for Scotland

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About the group

Financial Inclusion for Scotland is a group of Scotland’s leading policymakers and professionals from the private, charity and not-for-profit sectors who have come together to tackle financial exclusion.

Our vision

Vision icon


Our vision is for easy access to fair loans, savings, insurance products and financial wellbeing tools for everyone – and the ability to acquire help when needed.

Founding members

Fintech Logo
Standard Col (2)
SFE Logo
Stepchange Logo
Salaryfinance Logo New
Poverty Alliance Logo
Caroline Cawley (1)

Case Study

Caroline's story: Cash and the poverty premium

Some experience a daily struggle to access free cash in the UK. Many people are forced to rely on fee-charging cash machines. Whether you take out £5 or £50, the same fee is charged.

(Source: The Poverty Alliance/Fair By Design)

Elspeth 3

Case study

Elspeth’s story: Credit and the poverty premium

The poverty premium in credit exists because people in poverty pay more to borrow money. This is because people on a low income are more likely to have a low credit score and therefore be seen as more of a risk to lend to.

(Source: The Poverty Alliance/Fair By Design)

Scottish Government Logo (1)

Community Lenders

Advice on affordable ways to borrow money

The website has some helpful advice available for those looking for affordable ways to borrow money. Many community lenders like credit unions or Community Development Finance Institutions (CDFI) offer affordable loans if you have a low income or are on benefits, as well as pathways to further support.


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