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

Get an idea of your monthly loan repayments

I'd like to borrow
£1000 £40000

Your results

Monthly repayment

Total repayable:

Representative example

Representative 15.4% APR. Based on a loan amount of £4,000 over 36 months at an interest rate of 15.4% p.a. (fixed).

Monthly repayment £137.51.
Total amount repayable £4,950.25.

How our interest rates work:

The interest offered on assessment may differ and the representative rate may not be the rate that you receive. The rate you are offered will depend on a number of factors, including the amount you wish to borrow, your chosen term, your personal circumstances and your credit rating. The maximum APR you could be offered is 29.9%.

Why get a car loan?

A personal loan could help you get from A to B and spread the cost of your purchase.

Own the car outright from day one

The car’s yours straight off the bat – no waiting for finance to mature

Know the total cost of borrowing with regular, fixed payments

Keep on top of your finances knowing exactly how much you’ll pay from day one

Get better prices when you pay with cash

You may be better placed to negotiate a deal on your new car

Top up your existing loan

Already got a personal loan and want to borrow more? It’s quick and easy to apply online for some extra borrowing.

What you’ll get with a Post Office Personal Loan

Have a look at some features of our loans to see if one might be right for you

  • Borrow from £1,000 to £40,000

  • Terms from 1 year to 7 years depending on the amount borrowed

  • Funds could be transferred the next working day

  • If you pay your loan off early and in-full, we’ll charge up to 58 days’ interest

Standards of Lending Practice

Bank of Ireland UK adheres to the Standards of Lending Practice which are monitored and enforced by the Lending Standards Board

Common personal loans questions

  • APR is the annual percentage rate used to describe the cost of borrowing money. It considers the interest rate, how frequent it is charged (daily, weekly or monthly), any fees charged when setting up the loan and any other applicable costs. The APR makes it easy to compare loan products across the market.

  • An Illustrative APR is the lowest rate available for the selected loan amount. All quotes shown are for illustrative purposes. It gives an idea of how much the loan would cost over the term and what the monthly repayments would be based on this rate.

  • The APR you receive may be different from the illustrative rate shown. The rate you are offered will be a personalised rate based on your current circumstances. This would include credit information held about you by credit reference agencies, the loan amount and length of time you borrow for.

  • 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.

  • 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.

  • We aim for the money to be in your bank or building society within 2 working days once we’ve received your signed agreement.

  • Yes. You have 14 days from the day you receive your acceptance letter to withdraw from your Agreement. If you decide you no longer want a loan from us, call 0800 169 2000 within this 14-day period. Please be aware that in the interest of quality and training, calls are recorded.

  • Your first loan repayment will be one calendar month from the date the loan is released to you. You’ll see the date on your welcome letter. If this day falls on a bank holiday or weekend, the repayment will be made on the next working day.

  • All our personal or car loans are offered unsecured, so we won’t secure it against your car purchase.

  • Yes, you can sell the car, but you must continue to pay towards the loan balance until it's cleared.

  • Read more loans FAQs

Need some help?

Personal loans help and support

Find out the answers to common personal loans questions and how to reach us or make a complaint:

Visit our personal loans support page

Contact us for general enquiries

Call us at: 0800 169 2000

8.00am - 7.00pm, Mon - Fri
8.00am - 2.00pm, Sat
Closed Bank Holidays and Sundays