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Personal loans debt consolidation

Debt Consolidation Loans

Bring everything you owe together in one place with a debt consolidation loan.


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

Debt consolidation loan rates from

3.0% APR representative (Fixed) on loans from £15,001 – £25,000.

Your personal rate will depend on the loan amount, the loan terms and your personal circumstances.


  • Borrow from £1,000 - £25,000 over 1-7 years
  • Instant online decision in most cases
  • Personalised Fast Checker without affecting your credit rating
  • Funds  could be transferred the following day
  • No penalty for overpayments

Check if you're eligible for our personal loans without affecting your credit score

Representative Example:


Representative 3.0% APR. Based on a loan of £17,500 over 5 years, with monthly repayments of £314.13 and total amount repayable of £18,847.80, which includes £1,347.80 interest at 3.0% fixed.


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Important information
The interest rate 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 28.9%.



Finding it hard to control your existing debt?

Make it easier to manage what you owe when you take out a debt consolidation loan from Post Office.

One easy monthly payment

This type of loan means making one monthly payment at a consistent fixed rate.

Managing your debt is simpler, without multiple APRs to juggle.

And it could be cheaper to consolidate your current debt, including:

  • Credit cards
  • Debit cards
  • Overdrafts
  • Existing loans


Small print

Post Office Money® credit cards, personal loans and overdrafts 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 Money and the Post Office Money logo are registered trademarks of Post Office Limited. Our FCA Register number is 409080. You can confirm our registration on the FCA's website ( in new window).

For general enquiries call:

0800 169 2000 8.00am - 8.00pm, Mon - Sat
9.00am - 5pm, Sun
Closed Bank Holidays

When you take out a loan we will send you two text messages, one to confirm the loan and the second to advise you of your first payment