Personal Loans

  • Rates from 3.9% APR Representative (Fixed)
  • Instant online decision

Post Office Personal Loans are provided by Bank of Ireland (UK). Post Office Limited is a credit broker and not a lender.

Apply for a Loan

Eligibility and key information

Are you eligible to apply?

To apply for a Post Office Money Personal Loan you need to:

  • Have been a UK resident for at least 3 years
  • Be over 21 and no older than 70 when the loan term ends
  • Be employed with a salary of £12,000 or more.  If self-employed you must have been so for over 2 years
  • Not have a history of County Court Judgements or bankruptcy
  • Have a UK based bank or building society account that can pay direct debits
  • Make sure you can afford the monthly repayments

Key information

How do I apply?

You can apply online now and where possible, get an instant decision. 

How do I make my monthly repayments?

We require you to make your monthly repayments by direct debit, unless we agree otherwise. Your direct debit will be set up from the bank/building society you have chosen during your application.

If you want to change the bank account from which your repayments are paid please contact us on 0800 169 2000*.

Can I pay my loan off early?

Yes you can settle your agreement early in full or in part, at any time.

If you wish to pay off your loan in full you will firstly need to request a settlement quotation by calling us on 0800 169 2000.

To make a partial settlement you can call us to make a debit card payment. As a result of any repayment we will reduce the term of your agreement unless you tell us otherwise.

Can I choose the date to make my repayments?

Yes, of course. Just call us on 0800 169 2000*, after you’ve made your first repayment, and let us know which day of the month is best for you. Repayment date changes are limited to one per calendar year.

Can I change my mind about taking out a loan?

Yes. You have 14 days to change your mind. 

You will have 14 calendar days from the day after you receive your acceptance letter to withdraw from your Agreement. If you decide you don’t want a loan from us, just call 0800 169 2000 within this 14 day period.

We are open Monday to Saturday, 8am-8pm and Sunday, 9am-5pm.Please note we are closed on Bank Holidays.


0800: All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.

APR: APR is the Annual Percentage Rate (APR) and is used to describe the overall cost of money borrowed.  It takes into account the interest rate, when it is charged (daily, weekly, monthly or annually), any fees charged when setting up the loan and any other costs applicable to the loan. The APR makes it easy to compare different loan products across the market.

Small print

Post Office Money® credit cards, personal loans and overdrafts are provided exclusively by Bank of Ireland (UK) plc.

Post Office Limited is a credit broker and not a lender. Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Post Office Limited is registered in England and Wales. Registered Number 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited. Our FCA Register number is 409080. You can confirm our registration on the FCA's website ( or by contacting the FCA on 0800 111 6768.