Make life simpler

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

Personal Finance Provider of the Year 2018

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
Total repayable
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 working day
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Top-up your existing loan

Already have a personal loan and need to borrow more? It's quick and easy to apply online for additional borrowing.

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What you’ll get with a Post Office Personal Loan

  • 8.2% APR Representative (Fixed) on loans
    from £3,000 – £4,999
  • 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 next working day
  • If you pay off your loan early in full, we’ll charge up to 58 days interest

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

Still have questions about loans?

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Want to learn more about loans?

Credit score guide

Understand your credit score and
make better financial decisions.

Home improvement loan guide

Find out how a loan can help you make changes to your home.

Secured vs unsecured loans guide

Want to know the difference between secured and unsecured loans? Here’s what you need to know.

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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