[1][2] It is the most common style available in the United Kingdom, though the term itself is predominantly Scottish and Northern Irish to differentiate it from the plain loaf.

The pan loaf has a soft pale brown crust all around the bread, in contrast to a plain loaf's darker crust only at the top and bottom.

[2] A pan loaf was once more expensive than the then more common plain loaf.

[1] Therefore, in Scots and Scottish English, to speak with a pan loafy voice is to speak in a posh or affected manner, e.g. the distinctive accents of Kelvinside, Glasgow and Morningside, Edinburgh.

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