Spell scrolls

There are three types of spell scrolls:

Arcane, Divine and Universal

Casters can only use universal or spell scrolls that align with their caster type and be of a level of spell they can cast.

ex. Wizards can only use universal and arcane spell scrolls because they are arcane casters

Additionally if the spell is not on the spell list of your class than you need to expend a spell slot of equivalent value in order to cast it.

ex. If a paladin wanted to use a hold person spell scroll they would need to use a second level spell slot since it is a second level spell not on the paladin spell list.

Lore bards can use all three types of scrolls for free after sixth level since they gain the ability to gain any spell after that point.