Fast funds for big plans and unexpected costs. We can help with that
Borrow £1,000–£4,000 and pay it back over 1–5 years
One fixed monthly payment and interest rate
Apply online and, if approved, get the money today
It’s quick and won’t affect your credit score.
Representative 13.2% APR
A £4,000 personal loan gives you the freedom to cover important or unexpected costs. Whether you want to improve your home, buy a car, pay for a special event or bring your finances together, a loan can help you move forward with confidence.
With a Post Office loan, you get a fixed interest rate, flexible repayment terms and, if approved, the money the same day. Plus, you’ll always know what you’re paying each month.
A £4,000 loan is a practical choice if you need a set amount for a clear purpose.
It’s often used for:
If you want to borrow a manageable amount and spread the cost over time, a £4,000 loan could be right for you.
Choose an amount and term: Borrow £1,000 to £4,000 and repay over 1 to 5 years
Easy to apply: The application process is simple and quick
Get the funds fast: If approved, you should get the money the same day
Fixed rate for the full term: Know exactly what you’ll pay each month
Option to repay sooner: If you want to, you can repay your loan early. This could save you money on interest versus paying for the full term
Applying for a Post Office loan is quick and simple
Find out if you’re likely to be approved without affecting your credit score
Pick your loan amount and term. Then complete a quick online form for a quick decision
If approved, receive your money the same day. Then pay a fixed amount each month until it’s fully repaid
Before you take out a loan, it’s important to check if it’s right for you. Here are a few key things to think about
Compare your choices: Think about the benefits and downsides of a loan compared with credit cards, overdrafts, car finance or saving up. Loans are best for single, large purchases. For regular spending, a credit card may be better
Borrow only what you can afford: Work out your monthly budget to make sure you can afford the repayments. Missing payments can harm your credit score
Check the total cost of borrowing: Compare interest rates, fees and total repayable amounts across different lenders to find options that suits you best
You might pay more overall: A longer loan term means smaller monthly payments, but you’ll pay more in interest
Consider your credit score: Lenders check your credit report and borrowing history. If you’re planning a big application, like a mortgage, think carefully before taking out a loan
Check for early repayment charges: If you’re consolidating other debts, check if there are any early repayment fees. Some lenders might charge you extra
When you apply, lenders check things like your earnings, bills, job and your credit score. If your credit score is good, you’re more likely to be approved and get a better interest rate. If your score is lower, you might still get the loan but pay more interest.
You can find out if you’re eligible for a Post Office loan with a soft check that won’t affect your credit score.
Your monthly payment depends on your interest rate and loan term. If you pay your loan off over a longer term, the interest rate and monthly payments may be lower. But, since it takes longer to clear the debt, you’ll pay more overall.
Checking your eligibility for one of our loans involves a soft check that doesn’t affect your credit score.
If you go on to complete a full application and accept our loan agreement, we’ll run a hard credit search that may impact your credit score and ability to get credit in the future.
Missing repayments can have a negative impact on your credit score but regular payments and clearing existing debts may help improve it.
If your application is approved, you’ll usually get the funds the same day.
Yes, you can repay your loan early in your online account. This could save you money on interest compared with paying it off over the full term.
If you miss a payment or are struggling, contact us as soon as possible. We’ll work with you to find a way forward.
Secured loans are linked to something valuable you own, like your house or car. Unsecured loans aren’t connected to your property. All Post Office Personal Loans are unsecured.
Read more about the difference between secured and unsecured loans
Yes, you can use a loan to consolidate debts, which may reduce your interest and simplify payments. But the longer the repayment term the more you’ll pay in interest overall.
Debt consolidation might not be the right choice if you’re likely to get into other debts. It’s worth closing old accounts from debts you’ve cleared to avoid using them in future.
Personal loans aren’t the only way to fund what’s important to you. Depending on your needs, you could consider:
Each option has pros and cons. If you’re unsure which is right for you, get some financial advice before you decide.