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Post Office Personal Loans are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
Sorry, we’re not accepting Personal Loan applications from new or existing customers.
Need to get in touch with us? If you’ve got any questions or need help, we’re here for you. For further contact information, please see below.
Following the announcement by our Personal Loan provider, Bank of Ireland, with effect from 5 December 2023 we're not accepting any new applications.
Post Office will no longer accept new or existing customer Personal Loan applications.
Repayments to your Personal Loan will be on a monthly basis by direct debit from your current account (or an account that accepts direct debits). The amount and number of repayments will be detailed in your Loan Agreement. Before signing the Loan Agreement, you should make sure you're comfortable that you'll be able to make the monthly repayments, and you're able to leave enough money in your account to do so.
It can have serious consequences and make it harder for you to get credit in the future. So it's really important to make sure you can afford the payments before you take out a loan. However, we understand that life isn't always easy. If you think you will miss a payment please get in touch and we'll do everything we can to help you get through it. If you do not contact us and fall behind on your payments, it may cost you in the long run.
Missing or late payments can result in:
Remember, we're here to help in any way we can. If you're worried about making your repayments, get in touch on 0800 169 2000. We are open Monday to Friday, 8am - 7pm and Saturday, 8am - 2pm. Please note we are closed on Sundays and bank holidays. Calls may be recorded for training and monitoring purposes.
You can repay all or part of the credit borrowed at any time. We may charge up to 58 days interest if you pay off your loan in full early. If you wish to do this, you can do so by contacting us on 0800 169 2000. This is outlined in the Loan Agreement. If you make a partial repayment, we'll reduce the term of your Agreement unless you request otherwise.
Your Post Office Loan is regulated by the Consumer Credit Act 1974 (CCA) which gives you protection and entitlements when entering into a credit agreement. One of these entitlements is that you can choose to repay your loan either partially or in full before the end of your original term.
What is the difference between a Partial and Full Early Settlement?
In both cases, you may be entitled to a rebate (further information on rebates can be found below).
Yes. To change your repayment date simply call us on 0800 169 2000 and let us know which day of the month is best for you. Repayment date changes are limited to one per calendar year.
If you’re calling about a loan you already have with us, please have your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007291. You can find it on any email, letter, or statement we’ve sent you.
If you’re calling about a loan you’ve applied for, please have your Reference Number handy. You’ll find it on the email we sent you about the progress of your application.
If you become aware that your circumstances could change, and may have an impact on your ability to pay your loan, you should call us on 0800 169 2000 to discuss the options available.
If you're struggling to keep up with the repayments on your loan for whatever reason, we’re here to help. It's important that you call us on 0800 169 2000 and we’ll talk you through the options available to you.
There are lots of organisations that can provide confidential, impartial and free help and advice. More information can be found in our leaflet 'Are you in financial difficulties?'.
If you are already in touch with an organisation that is giving you financial advice, please let us know and we can deal with them directly.
Call us on:
0800 169 2000
Monday to Friday: 8am - 7pm
Saturday: 8am - 2pm
Closed Sundays and bank holidays
Write to us at:
Post Office Loans customer service
PO Box 246