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If you get tax credits or any other government support for low income, you might be able to get a 0% loan from the Scottish Government. The scheme is called HEEPS.
I just checked and it has changed slightly since I last looked for it but the best thing to do is to call Home Energy Scotland and they will be able to advise you.
http://www.energysavingtrust.org.uk/scotland/home-energy-scotland0
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