Make life simpler

  • Everything you owe in one place
  • Borrow from £1,000 - £25,000

Personal Finance Provider of the Year

Why get a debt consolidation loan?

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One easy monthly payment at a fixed rate

Debt consolidation

Manage your debts from one place

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Potentially reduce your monthly outgoings

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Check the progress of your loan to see how soon you can be debt-free

Let’s get an idea of your monthly loan repayments
I'd like to borrow
£1,000 £25,000
And pay it back over
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Monthly repayments
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Representative APR (fixed)

Annual Percentage Rate (APR) represents the amount of interest you'll pay annually for your loan. A representative APR is an advertised amount that a minimum percentage of customers will pay. The rate you are offered might differ depending on your personal circumstance and credit rating.

  • Instant decision in most cases
  • Funds could be transferred the next day
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What you’ll get with a Post Office Personal Loan

  • 3.3% APR Representative (Fixed) on loans
    from £15,001 – £25,000
  • Borrow from £1,000 - £25,000
  • Instant decision in most cases
  • Terms from 1 year to 7 years, depending on the
    amount borrowed
  • Funds could be transferred the following day
  • Pay back more with no extra charge. We only
    charge a fee if the loan is paid-off in one go

Need a hand with your first loan?


We’ll guide you through all you need to know and get you ready for your loan

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Top questions people ask us

What is a debt consolidation loan?

A debt consolidation loan allows you to move one or more of your existing debt into one place to make it more manageable. Customers typically move their credit card, store card or other forms of loans.

What is an APR?

APR is the annual percentage rate (APR) and is used to describe the overall cost of money borrowed. It takes into account the interest rate, when it is charged (daily, weekly, monthly or annually), any fees charged when setting up the loan and any other costs applicable to the loan.

The APR makes it easy to compare different loan products across the market.

The representative APR is the rate a provider reasonably expects most applicants to receive. It's not a guarantee - your personal APR could be higher or lower than the advertised, representative APR.

Will I receive my quoted APR?

The APR you receive may vary from the advertised rate. This is the representative rate which we expect most people who apply to get.

The rate you are offered will be a personalised rate based on your current individual circumstances, including credit information held about you by credit reference agencies, the loan amount you borrow and length of time you borrow for.

Can you tell me how much a loan will cost without impacting my credit score?

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

Will I need a credit check?

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.

Can I use this loan to pay off other debts?

Yes you can, however, before applying for a debt consolidation loan you should review your options to make sure that the loan which you are considering is right for you

When will I receive my money?

Once accepted and we’ve received your signed agreements, funds will be transferred the following working day.

Can I change my mind about taking out a loan?

Yes. You’ll have 14 calendar days from the day after you receive your acceptance letter to withdraw from your Agreement. If you decide you no longer want a loan from us, just call 0800 169 2000 within this 14-day period.

When do I need to make my first loan repayment?

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.

Can I pay my loan off early?

Yes, you can settle your agreement early in-full or in-part, at any time. Please be aware if you make an early settlement in full, we will charge up to 58 days' interest.

If you wish to pay off your loan in-full you will firstly need to request a settlement quotation by calling us us on 0800 169 2000.

To make a partial settlement you can call us to make a debit card payment. As a result of any repayment we will reduce the term of your agreement unless you tell us otherwise.

Can I get help if I get into financial difficulty?

If you are struggling to keep up with the repayments on your loan for whatever reason, we’re here to help. It is important that you call us on 0800 169 2000 and we’ll talk you through the options available to you.

There are lots of organisations that can provide confidential, impartial and free help and advice. More information can be found in our leaflet Are you in financial difficulties?

If you are already in touch with an organisation that is giving you financial advice, please let us know and we can deal with them directly.

What is an Early Settlement?

Your Post Office Loan is regulated by the Consumer Credit Act 1974 (CCA) which gives you certain protections and entitlements when entering into a credit agreement. One of these entitlements is that you can choose to repay your loan either partially or in full before the end of the term you originally signed up for.

Still have questions about loans?

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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