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Debt Consolidation Loan from Post Office

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.

Due to the coronavirus pandemic, we have changed our opening hours to Monday to Friday, 9am to 7pm and Saturday 9am to 2pm.

We are also dealing with a higher number of calls than usual. We ask that our customers only call if they have an urgent query that can’t wait so that we can prioritise the most critical cases first. General information regarding our loans including frequently asked questions can be found on our website.

For more information click here.

Debt consolidation loan rates from

3.1% 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
  • Terms from 1 year to 7 years, depending on the amount borrowed
  • 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 3.1% APR. Based on a loan amount of £17,500 over 60 months at an interest rate of 3.1% p.a. (fixed). Monthly repayment £314.89. Total amount repayable £18,893.40

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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 29.9%.



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