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Before we get started

It only takes a few minutes to apply to top up your existing Post Office Loan. You can also get a quote from us without impacting your credit score using our FastChecker. Acceptance is subject to status.


Post Office Personal Loans are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.

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To complete the application, you will need:

  • Your current employer's details
  • Your existing 19 digit Post Office Loan agreement number. You will find this on your loan agreement or most other documents relating to your current loan
  • Your (current) bank or building society account details
  • Your residential address(es) for the last three years

To apply for a Top up, you will need to confirm that you:

  • Have an existing Post Office Loan and have paid off at least 50% of your loan balance or have made a minimum of 12 payments (your loan must have been taken out after November 2015)
  • Have managed your account well and have a good credit history - e.g. you've not missed payments on your current loan
  • Have been a UK resident for at least 3 years
  • Are no older than 70 when the loan term ends
  • Have a regular income above £12,000 a year
  • Have considered the implications of topping up your existing loan and ensure that it is in your best interest to do so
  • Ensure that you can meet the repayments, as missed payments incur a charge and could have severe consequences on your ability to obtain future credit
  • Don't know of, or anticipate, any changes to your income during the life of the loan which could materially affect your ability to afford the repayments

Before you apply, you will have the opportunity to get a quote using our Top Up loan FastChecker. If you choose to get a quote from us, you are agreeing to let us look at your credit file and carry out an affordability check to see if we can offer you a loan. We will use this information to give you an indication of whether we are likely to accept your application and if your application was to be successful, a REPRESENTATIVE APR and monthly payment amount. This check will only be visible to us. Other lenders won't know that you have checked your loan eligibility with us and your quote will not affect your credit score.

Once we have given you your quote, you can choose to continue to a full application. At this point you will have a full credit search carried out that will be stored on your credit file and will be visible to other lenders.

Your personal information:

We take your privacy seriously and we want you to be clear about how we use your personal information. Please read our PO Privacy Notice and Bank of Ireland UK (plc Privacy Notice) which explains, for example:

  • The types of personal information we collect
  • How we use your personal information
  • Who we share your personal information with 
  • Your personal information rights

Please read the Statement of Lender & Borrower Responsibilities which sets out our key responsibilities.

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Before you proceed please read the Fast Checker terms and conditions, product terms and conditions and read and understand the Bank of Ireland UK plc Privacy Notice and the Post Office Limited Privacy Notice and the important information. By clicking continue I confirm that I meet the eligibility criteria and I am agreeing to let you use my credit file to assess my affordability.

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Accept and continue

Small print

Post Office ® personal loans 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 (opens in new window).