Hello Bob, welcome to the Forums.
In general, I find that the AI doesn't want to cede provinces unless either :
a) You own their capitol and ALL their other provinces if they are small, AND you have dusted all their land forces.
b) You own a bunch of their stuff and they are big (and you might even own their capital).
In the former case, I haven't really had the AI offer me any provinces on its own, I usually have to demand them with a +100% peace.
In the latter case, the AI usually begins to proffer forth more and more provinces on its own the more of their stuff that you have, but it tends to want to offer you their crap (like hey, want this grain province that won't be connected to you if you get it... but its got a nice view......)...
In Scotland's case, try whacking the last province, and make sure you have destroyed their land forces. If you can do this, you will most probably be able to walk with their 3 non-capital provinces. Of course, if you are in a situation where you can't push, you might just try to keep asking for the one province, my understanding is that sometimes you'll hit a point where the AI will say yes to the deal.
As for the money, the AI will only give you what it has in its treasury currently, it will not take a loan to satisfy a peace demand. However, if you can wait some, then they will have more money to offer as they continue to make some income over time, AND sometimes, they will take a loan themselves, and then offer to you a peace with a larger sum than you could have asked for on your own from a demand.
Hope this helps, and again, welcome.
Yours -
Lord Khang