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We have withdrawn this service

Sorry, we’re not accepting Personal Loan applications from new or existing customers.

  • If you already have a loan with us, don’t worry nothing will change.

Need to get in touch with us? If you’ve got any questions or need help, we’re here for you. For further contact information, please see below.

Frequently asked questions

Service withdrawal

  • Following the announcement by our Personal Loan provider, Bank of Ireland, with effect from 5 December 2023 we're not accepting any new applications.

  • Post Office will no longer accept new or existing customer Personal Loan applications.

    • If you already have a loan with us don’t worry, nothing will change.
    • If you've already applied, your application will process as usual.

Managing my Personal Loan

  • Repayments to your Personal Loan will be on a monthly basis by direct debit from your current account (or an account that accepts direct debits). The amount and number of repayments will be detailed in your Loan Agreement. Before signing the Loan Agreement, you should make sure you're comfortable that you'll be able to make the monthly repayments, and you're able to leave enough money in your account to do so.

  • It can have serious consequences and make it harder for you to get credit in the future. So it's really important to make sure you can afford the payments before you take out a loan. However, we understand that life isn't always easy. If you think you will miss a payment please get in touch and we'll do everything we can to help you get through it. If you do not contact us and fall behind on your payments, it may cost you in the long run.

    Missing or late payments can result in:

    • Interest charges.
    • Added charges for late or missed payments. You can find more information about those in your loan agreement.
    • Court proceedings leading to an order to pay us back (called a judgement).
    • It may also have a negative impact on your credit rating, which may cause problems if you need to borrow again in the future.

    Remember, we're here to help in any way we can. If you're worried about making your repayments, get in touch on 0800 169 2000. We are open Monday to Friday, 8am - 7pm and Saturday, 8am - 2pm. Please note we are closed on Sundays and bank holidays. Calls may be recorded for training and monitoring purposes.

  • You can repay all or part of the credit borrowed at any time. We may charge up to 58 days interest if you pay off your loan in full early. If you wish to do this, you can do so by contacting us on 0800 169 2000. This is outlined in the Loan Agreement. If you make a partial repayment, we'll reduce the term of your Agreement unless you request otherwise.

  • To pay towards any outstanding arrears, you can call us on 0800 012 1548 to make a payment. We understand that if you've fallen behind with repayments, you might be worried. We want to help you as much as possible, so please call us.
  • Your Post Office Loan is regulated by the Consumer Credit Act 1974 (CCA) which gives you protection 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 your original term.

    What is the difference between a Partial and Full Early Settlement?

    • Partial Early Settlement – this is where you make a payment towards the sum you owe to us which is over and above your normal contractual monthly repayment amount. There's no limit to the number of early settlements you can make during the term of your loan. There's no minimum or maximum amount you can pay.
    • Full Early Settlement – this is where you pay the full amount you owe to us and clear your loan before the end of the original agreed term.

    In both cases, you may be entitled to a rebate (further information on rebates can be found below).

  • Yes. To change your repayment date simply call us on 0800 169 2000 and let us know which day of the month is best for you. Repayment date changes are limited to one per calendar year.

    If you’re calling about a loan you already have with us, please have your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007291. You can find it on any email, letter, or statement we’ve sent you.

    If you’re calling about a loan you’ve applied for, please have your Reference Number handy. You’ll find it on the email we sent you about the progress of your application.

  • If you become aware that your circumstances could change, and may have an impact on your ability to pay your loan, you should call us on 0800 169 2000 to discuss the options available.

  • If you're struggling to keep up with the repayments on your loan for whatever reason, we’re here to help. It's 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.

Managing my Personal Loan

  • Repayments to your Personal Loan will be on a monthly basis by direct debit from your current account (or an account that accepts direct debits). The amount and number of repayments will be detailed in your Loan Agreement. Before signing the Loan Agreement, you should make sure you're comfortable that you'll be able to make the monthly repayments, and you're able to leave enough money in your account to do so.

  • It can have serious consequences and make it harder for you to get credit in the future. So it's really important to make sure you can afford the payments before you take out a loan. However, we understand that life isn't always easy. If you think you will miss a payment please get in touch and we'll do everything we can to help you get through it. If you do not contact us and fall behind on your payments, it may cost you in the long run.

    Missing or late payments can result in:

    • Interest charges.
    • Added charges for late or missed payments. You can find more information about those in your loan agreement.
    • Court proceedings leading to an order to pay us back (called a judgement).
    • It may also have a negative impact on your credit rating, which may cause problems if you need to borrow again in the future.

    Remember, we're here to help in any way we can. If you're worried about making your repayments, get in touch on 0800 169 2000. We are open Monday to Friday, 8am - 7pm and Saturday, 8am - 2pm. Please note we are closed on Sundays and bank holidays. Calls may be recorded for training and monitoring purposes.

  • You can repay all or part of the credit borrowed at any time. We may charge up to 58 days interest if you pay off your loan in full early. If you wish to do this, you can do so by contacting us on 0800 169 2000. This is outlined in the Loan Agreement. If you make a partial repayment, we'll reduce the term of your Agreement unless you request otherwise.

  • To pay towards any outstanding arrears, you can call us on 0800 012 1548 to make a payment. We understand that if you've fallen behind with repayments, you might be worried. We want to help you as much as possible, so please call us.
  • Your Post Office Loan is regulated by the Consumer Credit Act 1974 (CCA) which gives you protection 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 your original term.

    What is the difference between a Partial and Full Early Settlement?

    • Partial Early Settlement – this is where you make a payment towards the sum you owe to us which is over and above your normal contractual monthly repayment amount. There's no limit to the number of early settlements you can make during the term of your loan. There's no minimum or maximum amount you can pay.
    • Full Early Settlement – this is where you pay the full amount you owe to us and clear your loan before the end of the original agreed term.

    In both cases, you may be entitled to a rebate (further information on rebates can be found below).

  • Yes. To change your repayment date simply call us on 0800 169 2000 and let us know which day of the month is best for you. Repayment date changes are limited to one per calendar year.

    If you’re calling about a loan you already have with us, please have your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007291. You can find it on any email, letter, or statement we’ve sent you.

    If you’re calling about a loan you’ve applied for, please have your Reference Number handy. You’ll find it on the email we sent you about the progress of your application.

  • If you become aware that your circumstances could change, and may have an impact on your ability to pay your loan, you should call us on 0800 169 2000 to discuss the options available.

  • If you're struggling to keep up with the repayments on your loan for whatever reason, we’re here to help. It's 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.

Contact us about Personal Loans

By phone

Call us on: 0800 169 2000

Monday to Friday: 8am - 7pm
Saturday: 8am - 2pm
Closed Sundays and bank holidays

By post

Write to us at: Post Office Loans customer service
PO Box 246
Sheffield
S98 1QD