PERSONAL LOANS

Looking for a £4,000 personal loan?

  • Check if you’re eligible without affecting your credit score

Personal Finance Provider of the Year

Let’s get an idea of your monthly loan repayments
I'd like to borrow
£
£1,000 £25,000
And pay it back over
1yr 2yr 3yr 4yr 5yr 6yr 7yr
Calculator result
Monthy repayments
£222.22
Total repayable
£10,657.18
Representative APR (fixed)

Annual Percentage Rate (APR) represents the amount of interest you'll pay annually for your loan. A representative APR is an advertised amount that a minimum percentage of customers will pay. The rate you are offered might differ depending on your personal circumstance and credit rating.

3.2%
  • Instant decision in most cases
  • Funds could be transferred the next day
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What you’ll get with a Post Office Personal Loan

  • 3.3% APR Representative (Fixed) on loans
    from £15,001 – £25,000
  • Borrow from £1,000 - £25,000
  • Instant decision in most cases
  • Terms from 1 year to 7 years, depending on the
    amount borrowed
  • Funds could be transferred the following day
  • Pay back more with no extra charge. We only
    charge a fee if the loan is paid-off in one go
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What are my options for borrowing £4,000?

Whether you’re buying a car or planning an amazing holiday, a £4,000 fixed-rate loan could open up a range of possibilities. With interest rates tailored to the individual, it pays to pin down the best deal available to you.


Need a hand with your first loan?

We’ll guide you through all you need to know and get you ready for your loan

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Top questions people ask us

What is an APR?

APR is the annual percentage rate (APR) and is used to describe the overall cost of money borrowed. It takes into account the interest rate, when it is charged (daily, weekly, monthly or annually), any fees charged when setting up the loan and any other costs applicable to the loan.

The APR makes it easy to compare different loan products across the market.

The representative APR is the rate a provider reasonably expects most applicants to receive. It's not a guarantee - your personal APR could be higher or lower than the advertised, representative APR.

Will I receive my quoted APR?

The APR you receive may vary from the advertised rate. This is the representative rate which we expect most people who apply to get.

The rate you are offered will be a personalised rate based on your current individual circumstances, including credit information held about you by credit reference agencies, the loan amount you borrow and length of time you borrow for.

Can you tell me how much a loan will cost without impacting my credit score?

We offer a Fast Checker quotation tool which enables you to find out how likely you are to be accepted without impacting your credit score. All you need to do is provide a few details. Find out more by clicking our Fast Checker tool

Will I need a credit check?

Yes. A credit check will be completed to help us make a decision on your loan application. Please read our decision explained leaflet for more information on how we assess your application.

Can I use this loan to pay off other debts?

Yes you can, however, before applying for a debt consolidation loan you should review your options to make sure that the loan which you are considering is right for you

When will I receive my money?

Once accepted and we’ve received your signed agreements, funds will be transferred the following working day.

Still have questions about loans?

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Want to learn more about loans?

Credit score guide

Understand your credit score and
make better financial decisions.

Guide to car loans

You have options when choosing how to pay for your new car. Find out more here.

Home improvement loan guide

Find out how a loan can help you make changes to your home.

Secured vs unsecured loans guide

Want to know the difference between secured and unsecured loans? Here’s what you need to know.

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Contact us for general enquiries

Call us on

0800 169 2000

8.00am - 7.00pm, Mon - Fri
8.00am - 2pm, Sat
Closed Bank Holidays and Sundays