Fast funds for big plans or unexpected costs. We can help with that
Borrow £1,000–£5,000 and repay it over 1–5 years
Fixed interest rate and one fixed monthly repayment
Quick online application with a fast decision
It’s quick and won’t affect your credit score
Representative 13.2% APR
Post Office Personal Loans are provided by Lendable. Post Office Limited is a credit broker and not a lender.
A £5,000 personal loan gives you money for life’s here-and-now moments or tasks, without waiting to save up for them. You could refresh a kitchen on a budget, cover moving costs or a sudden repair bill. You could buy a used car or book a family trip. Or bring a few debts together into one easy payment.
With a Post Office Personal Loan, you get a fixed interest rate, a term that suits your budget and, if approved, the funds fast. And you’ll know what leaves your account each month.
If you need a set amount for a clear purpose or unexpected cost, £5,000 can go a long way. People often use loans to:
Spread costs over time: Cover what you need now and repay a loan in manageable monthly amounts
Keep plans moving: Book work, pay deposits or secure purchases when you need to, without delay or waiting to save
One monthly payment: A single repayment on a set date makes budgeting simpler
You may pay less in interest: Depending on the rate, a loan may be cheaper than using credit cards. A longer term can mean paying more overall
We’re a trusted UK brand working with Lendable to offer fair, transparent loans
Flexible amounts and terms: Borrow £1,000–£5,000 and repay over 1 to 5 years
Simple to apply: The online form takes just a few minutes
Money paid quickly: If approved, you usually get the funds the same day
Fixed rate for the full term: Know exactly what you’ll pay each month
Option to repay early: Settle the loan sooner if you wish. You could pay less interest than repaying over the full term
Applying for a Post Office Personal Loan is straightforward
We’ll tell you if you’re likely to be approved and it won’t impact your credit score
Choose your amount and term, then complete the quick form for a fast decision
If approved, the funds are sent the same day, often within minutes
Before you borrow, make sure it suits your plans and budget
Work out what you can afford: Only borrow an amount you can comfortably repay. Missing payments can affect your credit score
Compare your options: Weigh up the pros and cons of getting a loan versus using a credit card, bank overdraft, finance options or saving up the money
Understand the total cost: Check what interest you’ll pay across the loan term and any fees that apply, so you have the whole picture
Know your term’s impact: Longer terms can cost more, with smaller monthly payments meaning higher total interest
Think about your other plans: If you’re planning other borrowing soon, like a mortgage or other big credit, a loan application now might affect whether you’re approved for it
Eligibility depends on things like your income, monthly commitments and credit history. You can check your eligibility online with a soft search that won’t affect your credit score.
It depends on your rate and term. A longer term usually means a lower monthly amount but more interest overall. You’ll see your personalised rate and monthly repayment before you decide.
If your application is approved, funds are usually sent the same day. Often it arrives within minutes of you signing your loan agreement.
Lendable is a trusted online loan provider based in the UK. They want to make borrowing quicker, simple and easier to manage. Their service is fully online with no paperwork and is designed to remove some of the common barriers to getting a loan. We’ve chosen to work with them because:
Post Office acts as the loan broker and Lendable is the lender. Lendable is registered with the UK Financial Conduct Authority and relevant fraud prevention and data protection services.
All Post Office Personal Loans are unsecured. Unlike secured loans, this means they aren’t linked to something you own, like your car or house.
Read more about the difference between secured and unsecured loans
No. Eligibility checks use a soft search that isn’t shown to other lenders. If you go on to apply and accept a loan, we’ll carry out a hard search that may affect your credit score and ability to get credit in future.
Missing repayments can have a negative impact on your score. Making regular payments and clearing existing debts can help improve it.
Yes. You can settle early in your online account. Paying off your balance sooner can reduce the interest you pay compared with keeping the loan for the full term.
If you’re struggling or think you might miss a payment, contact us as soon as possible. We’ll work with you to find a way forward.
It’s always important to weigh up your options. Alternatives to a personal loan include:
Each route has pros and cons. If you’re unsure which is right for you, get some financial advice before you decide.
Taking out a loan can be a useful way to make larger, single payments that you can’t use savings or income to cover. This could be buying a car, making home improvements, consolidating debt or paying for a holiday, to name a few.
Let’s imagine you’ve found the car you want. Whether you’ve had it in your sights on the dealership forecourt for months or your old faithful has at last burnt out its final gearbox, it’s time to move on. And now you’re wondering about the best way to pay for it. Is a car loan right for you? Should you take the car finance option? We’ll go through these questions and more so you’ve got more info when making the decision about how to pay for your next car.
You may have just bought your first home and want to do it up, or you might be a seasoned homeowner looking to make a large dent in that never-ending list of improvements. Whatever your reason for wanting to take out a loan for home improvement, it can help you achieve your dreams sooner.
One of the most exciting things about homeownership is being able to make changes and revamp your living space.
Thinking about borrowing money with a personal loan or credit card? It’s important to know how much it will cost, but seeing different APR and interest rates may feel confusing.