The Scottish Government have launched a £10 million Tenant Hardship Loan Fund offering interest-free loans to tenants who are struggling with rent arrears.

The interest-free loan is available to private tenants and social housing tenants who have had their finances impacted by the coronavirus (COVID-19) pandemic and do not have other means of support.

The loan is aimed at people who don’t qualify for other help. You will need to pay the loan back so if you might be entitled to other non-repayable help towards your rent, such as Universal Credit or Discretionary Housing Payments, then this is likely to be a better option for you.

The loan is a good short term option to support you in managing your rent arrears and get you back to paying your rent. A good option if you know that your drop in income is only temporary – and if you are confident that your money issues will improve soon.

Loan repayments will be deferred for six months as standard and repaid over a five-year period. 

To apply visit or call us on 0800 678 1228 and we can help you apply and look at other options to help with your rent arrears.