What you’ll need to apply

Time needed for this application: 6mins

Get Your Personalised Rate

Confirmation of your loan rate will be presented after you have applied and a full credit check has been completed.

Information to gather
  • Your residential address(es) for the last 3 years
  • Your (current) bank or building society account details
  • Your current employer's details
  • Your current income and outgoings
Final checks
  • Have been a UK resident for at least 3 years
  • Have a regular income above £12,000 a year
  • You are over 21 and no older than 70 when the loan term ends
  • Have a good credit rating without a history of County Court Judgment or bankruptcy
  • Have a UK-based bank or building society account that can pay direct debits
  • Have you considered how the rising cost of living will impact your household finances and are sure you can meet the repayments, as missed payments could have severe consequences on your ability to obtain future credit
  • Don't know of, or anticipate, any changes to your income and/or outgoings during the life of the loan which could affect your ability to afford the repayments
You’re now ready to complete your application

In order to process your application a credit check will be run against the details you have supplied


Tick to confirm the following before you apply:

I have read and accept both the terms and conditions, important information and statement of lender and borrower responsibilities.

I have read and understood both the Bank Of Ireland UK plc and Post Office Limited Privacy Notices.

I confirm that I meet the eligibility criteria to apply.

circle-outline icon support-phone icon

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