Personal loans

A new car, home improvements or simply more manageable finances are within your reach with a Post Office® Personal Loan, repayable monthly

Summary BoxKey Information for our Post Office® Personal Loans from £5,000 to £25,000
APR	Typical 9.9% APRIf successful, the interest rate you will pay is based on the amount you chose to borrow
Interest Rate Ranges	Loans size range £2,000 - £4,999 £5,000 - £25,000	From % 13.9 9.9	To % 13.9 9.9	Representative APR 13.9 9.9
Interest Charging Information	The interest rate applicable to your agreement will be fixed for the life of the loan. The charge is calculated by applying the agreed rate to the loan over the chosen term. The interest charged is added to the total loan at the beginning of the loan term.
Repayment Information	Payment is monthly by Direct Debit. First monthly payment is due one month after the date the loan has been opened. Subsequent monthly repayments are due on the same day each month. 2 month repayment holidays per annum, not consecutive and must be requested at application.
Repayment Period	12 to 84 months
Amount of Loan Available	£2,000 to £25,000
Application/ Arrangement Fee	No application/arrangement Fees
Other Fees	No other fees
Default Fees	No default Fees. If you run into difficulties with your repayments, please call us immediately and we will be happy to help.
Early Settlement Fee	No early settlement Fee
Illustrative Example	Loan amount £3,000 £5,000 £10,000	Representative APR 13.9% 9.9% 9.9%	Term 36 months 36 months 60 months	Monthly repayment £101.21 £160.11 £209.92	Total payable £3,643.20 £5,763.96 £12,595.20

Post Office Ltd is an appointed representative of Bank of Ireland which is authorised by the Irish Financial Regulator and authorised and subject to limited regulation by the Financial Services Authority. Details about the extent of Bank of Ireland's authorisation and regulation by the Financial Services Authority are available from Bank of Ireland on request. Bank of Ireland, incorporated in the Republic of Ireland with limited liability, Registered in England and Wales with branch number BR000459. 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 trade marks of Post Office Ltd in the UK and other countries.