Your Application Checklist
 

It only takes a few minutes to apply for a Post Office Money Personal Loan. You will be given an instant decision at the end of the application where possible. Loans are subject to status.
 

Final checks before you apply:
 

• You have been a UK resident for at least 3 years.
• You are over 21 and no older than 70 when the loan term ends
• You are employed or self employed with a salary of £12,000 or over.
• You do not 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.
• You have a good credit rating without a history of County Court Judgments or bankruptcy.
• You have a UK based bank account or building society account that can pay direct debits.
• Make sure you can afford the monthly repayments as missed payments could have severe consequences on obtaining future credit.

To complete the application you will need:
 

• Your residential address(es) for the last three years.
• Your (current) bank or building society account details.
• Your current employer's details.
• Your current income and outgoings.
   

Considerations
 

You need to make payments on time or you will be charged a late payment fee. Missing payments could have severe consequences on obtaining future credit.

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