Personal Loans



7.4% APR Representative

A new car or improvements around the home? Apply now for a Post Office Personal Loan with competitive rates of 7.4% APR Representative (fixed).

Key benefits

  • Various amounts: borrow between £2,000 and £25,000 with fixed monthly repayments
  • Choose from our repayment terms: one to seven years
  • Get an instant decision: apply online today
Post Office® Personal loans are provided by Bank of Ireland Personal Finance Limited
REPRESENTATIVE EXAMPLE
Representative 7.4% APR. Based on a loan amount of £7,500 over 48 months at an interest rate of 7.2% p.a. (fixed). Monthly repayment £180.22. Total amount payable £8,650.56.

READ OUR FAQs BEFORE APPLYING.

See how much you could borrow

Not sure what monthly repayments you can afford? Find out using our Budget planner tool.

Are you eligible to apply?

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

  • Be over 21 years old and have been a UK resident for at least three years
  • Have a regular income above £8,000 a year (excluding unemployment benefit)
  • Have a good credit rating

If you have a history of bankruptcy or any County Court Judgements (CCJs) registered against you, you’re unlikely to be successful in applying for a Personal Loan.

Definitions

0800: Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes.

0845: Calls to 0845 numbers may be charged at up to 5p per minute from a fixed line and calls from mobiles can be considerably higher. Calls may be monitored or recorded for training and compliance purposes.

APR: Annual Percentage Rate of charge – this shows the overall cost of borrowing, taking into account the term, interest rate and other costs.



Our loans range is designed with our customers in mind, whether you’re looking to make home improvements, new car or that special purchase. Take a look at our range below.

Loans size range APR %
£2,000 - £4,999 14.9
£5,000 - £7,499 8.4
£7,500 - £14,999 7.4
£15,000 - £25,000 8.4
REPRESENTATIVE EXAMPLE
Representative 7.4% APR. Based on a loan amount of £7,500 over 48 months at an interest rate of 7.2% p.a. (fixed). Monthly repayment £180.22. Total amount payable £8,650.56.

Apply for a Personal Loan online

Apply now

Small print

Post Office Personal Loans are provided by Bank of Ireland Personal Finance Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Address One Temple Bank East, Bristol, BS1 6DX. Registered No. 1571888. Bank of Ireland Personal Finance Limited is a wholly-owned subsidiary of Bank of Ireland Group. Subject to status.

Written quotations are available on request. Applicants must be aged 21 or over and UK residents.

Post Office Ltd is a financial services partner of the Bank of Ireland Personal Finance Ltd. which is part of the Bank of Ireland Group. In relation to Personal loans, Post Office Ltd works exclusively with companies in the Bank of Ireland Group for the provision of credit. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. In respect of consumer credit activities Post Office Limited is authorised and regulated by the Financial Conduct Authority. Post Office Ltd. Registered in England and Wales number, 2154540. Registered Office: 148 Old Street, London, EC1V 9HQ. Email address: polcustomercare@royalmail.com. Royal Mail Group VAT no. GB243170002.The Post Office and the Post Office symbol are registered trademarks of Post Office Ltd in the UK and other countries.

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Can we help?

For more online help:

Read our FAQs

For general Personal Loan enquiries, call:

0800 169 2000

9am-5pm, Mon-Fri

Closed weekends and bank holidays