A pan loaf is a style of bread

Bread

Bread is a staple food prepared by cooking a dough of flour and water and often additional ingredients. Doughs are usually baked, but in some cuisines breads are steamed , fried , or baked on an unoiled frying pan . It may be leavened or unleavened...

 loaf baked in a pan or tin. It is the most common style available in the United Kingdom

United Kingdom

The United Kingdom of Great Britain and Northern IrelandIn the United Kingdom and Dependencies, other languages have been officially recognised as legitimate autochthonous languages under the European Charter for Regional or Minority Languages...

, though the term itself is predominantly Scottish

Scotland

Scotland is a country that is part of the United Kingdom. Occupying the northern third of the island of Great Britain, it shares a border with England to the south and is bounded by the North Sea to the east, the Atlantic Ocean to the north and west, and the North Channel and Irish Sea to the...

 so as to differentiate it from the Scottish plain loaf

Plain loaf

A plain loaf, slices of which are known in Scots as plain breid , is a traditional style of loaf made chiefly in Scotland. It has a dark, well-fired crust on the top and bottom of the bread. There is no crust on the sides due to the unbaked loaves being stuck together in batches, baked together...

. It was once more expensive than the then more common plain loaf. Hence, to speak with a pan loafy voice is to speak in a posh or affected manner.

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