£4,000 loans

Personal loans for £4,000

From holidays to home improvement, car finance to consolidation of debt, a loan may provide short-term help. Read on to find out what you need to consider.

Due to the coronavirus pandemic, we have changed our opening hours to Monday to Friday, 9am to 7pm and Saturday 9am to 2pm.

We are also dealing with a higher number of calls than usual. We ask that our customers only call if they have an urgent query that can’t wait so that we can prioritise the most critical cases first. General information regarding our loans including frequently asked questions can be found on our website.

For more information click here.

Shopping around for a £4,000 loan?

If you need to pay for something that really matters to you but most but savings or salary won’t cover it, you could borrow the money. Perhaps you’re thinking of buying a new car and want to spread the cost with manageable monthly repayments. Personal loans for £4,000 offer an alternative to leasing and personal contract purchase (PCP) arrangements that may better suit your needs. There’s no deposit to find, and you’ll be able to buy the car outright.

Below, you’ll find information and tools to help you choose the loan term that best fits your personal circumstances and budget. Learn how to check if you’re eligible for a Post Office Personal Loan without affecting your credit report. And find out what you’ll need to provide to complete an application.

Does Post Office offer different types of loan?

You can apply for an unsecured personal loan at a fixed rate of interest. In addition to car loans, Post Office provides home improvement loans and debt consolidation loans.

Unlike variable rates – which can go up or down in line with market rates – fixed rates stay the same until you’ve paid off the loan in full. That means your monthly repayments won’t vary. When you know exactly how much your loan will cost every month, it can be easier to stay on top of household budgeting. You won’t need to keep track of changing figures.

Can I decide how long I take to pay off a loan?

Post Office Personal Loans for £4,000 can be paid back in as little as 12 months or as long as 60 months (five years). The loan term you choose will affect your monthly repayments and the total balance. The monthly repayment figure for a £4,000 loan over 36 months would be higher than the figure quoted for 48 months. However, the interest adds up over time – a longer term means you’ll pay more overall. Making sure you can afford to keep up with payments before you apply means you won’t incur missed payment charges or damage your credit score.

You have the option to make overpayments at any time. Post Office won’t charge you for paying a bit extra when you’re able. If you decide you’d like to repay the loan early, just ask for a settlement quote.

What are the monthly repayments on personal loans for £4,000?

Use the loan calculator to get an idea of how much your monthly repayments could be on a Post Office Personal Loan. This tool lets you compare different repayment terms and instantly see the difference this makes to the monthly repayment figure and the total cost of the loan.

If you apply, the exact figure you’ll be quoted depends on the following:

  • Your individual circumstances
  • The financial information in your application
  • Your credit score – you may want to check this before you apply
  • How long you want to take to repay the loan


Each loan application is assessed individually. Post Office uses the personal and financial information on the application in conjunction with your credit score to assess your ability to repay the loan on time. The advertised interest rate is the one Post Office will offer to applicants with a good credit score. The rate you’ll see on your loan offer may differ.

Can I check if I’m eligible before I apply?

Post Office has its own set of requirements for personal loans for £4,000. To apply, you’ll need to be able to prove you are:

  • Over 21 years old – and will be 70 or under when the loan term ends
  • A UK resident (for at least the past three years)
  • In receipt of a regular income – £12,000 or more a year
  • A UK bank or building society account holder with the ability to make direct debit payments
  • Able to make your repayments – you’ll need a good credit rating


Post Office doesn’t accept applications from those with County Court Judgements (CCJs) or bankruptcies.

Want to know if your application is likely to be approved? Find out with the Fast Checker. Just provide a few details and Post Office will do a pre-application check. It only takes a few minutes.

It’s not a full credit check, so other organisations won’t see it on your file. Your credit score – and ability to borrow money in the future – won’t be affected.

How do I apply for a Post Office Personal Loan?

Applying online is quick and simple – most people get an instant decision. And you can request next-day funds transfer.

Get the following ready before you Start your Application [link out]:

  • UK home address(es) for the past three years
  • Employment details
  • Income and outgoings
  • Bank/building society account details


If your application is accepted, you may be able to sign the agreement forms online to save time. There’s a 14-day cooling-off period to give a chance to change your mind and return the funds.

Want to know more before you apply? Check the FAQs or call the Customer Service Team on 0800 169 2000.

Check if you're eligible for our personal loans without affecting your credit score

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 and the Post Office logo are registered trademarks of Post Office Limited. Our FCA Register number is 409080. You can confirm our registration on the FCA's website (www.the-fca.org.ukopens in new window).