Cargill spent the first half of the campaign at Fleetwood Town before returning to the Cherries, but the club's early FA Cup exit has left the player in a position where he is unlikely to get first-team opportunities.
That has led to Cargill linking up with the Scottish Premiership side, despite revealing that he does not know much about football north of the border.
The 22-year-old told BBC Scotland: "It's new to me. I've seen it on the TV but I don't know the ins and outs of it all. I'm looking forward to learning about it and making the most of the experience.
"I like to test myself as a person and a player, so a different environment and a different league, testing myself against different players, it'll be a good experience."
Cargill's only Premier League appearance for Bournemouth came in March, when he came off the bench to help the south coast outfit to a 1-1 draw with Manchester United at Old Trafford.