Make memories sooner. We can help with that
Borrow £1,000–£25,000 for your dream holiday or travel plans
Repay over 1–5 years at a fixed interest rate
Quick online application and fast decision
It’s fast and won’t affect your credit score
Representative 13.2% APR
Post Office Personal Loans are provided by Lendable. Post Office Limited is a credit broker and not a lender.
A holiday loan is a type of personal loan you use to spread the cost of a trip. You borrow what you need, then repay in fixed monthly amounts with a fixed interest rate over an agreed term. That way you can take that dream trip when the time’s right and always know what you’ll pay back each month.
Taking out a loan for a holiday might help if you’re:
When adventure calls, you don’t have to wait. A holiday loan can help you travel now without waiting for payday and keep the cost manageable
Make exciting plans: Say yes to that unmissable trip. Borrow what you need now and repay in a way that fits your monthly budget
Pay bit by bit: You can pay for flights, hotels or holiday packages now, then pay the money back over a fixed period
One monthly payment: Bring all travel costs together into a single fixed repayment. Simpler than juggling lots of separate costs through the year
Keep your savings intact: If you’d rather not dip into savings, a loan can help you keep that buffer in place while still booking the trip you want
We’re a trusted UK brand working with Lendable to offer straightforward, transparent loans. We can help make your dream trip happen
Flexible loans: Borrow from £1,000 to £25,000 over a 1- to 5-year term
Easy to apply: The online application process is quick and simple
Get the money fast: If approved, you’ll usually get the funds for your holiday the same day
Fixed rate for the full term: You’ll know exactly what you need to repay each month
Option to repay early: You can clear your loan sooner, which could save you money compared with repaying over the full term
Applying for a Post Office holiday loan is simple
It’s quick and won’t affect your credit score. You’ll get an instant decision
Choose how much you want to borrow and pick a repayment term
If approved, the funds should be in your account the same day
Before you borrow, think about:
Your budget: Make sure you can afford the repayments. If you’re unsure, you may struggle and missed payments can harm your credit score
The total cost of borrowing: Check the interest and fees so you know how much you’ll repay overall. Longer terms mean lower payments but you’ll pay more interest in the end
Using savings: If your trip isn’t soon, try saving up instead of borrowing. Using some savings can lower how much you need to borrow
Other ways to pay: You could use a credit card or a payment plan from your travel provider. Each works differently, so consider the pros, cons and which option suits you best
Your future plans: If you’re applying for a mortgage or another large form of credit soon, taking out a new loan too might affect how those lenders treat your application
If your application’s approved, you’ll usually get the funds into your bank account the same day.
No. If you’re just checking your eligibility for a loan we’ll run a soft check that doesn’t show on your credit score.
Yes. If you complete the full loan application and accept the loan agreement, we’ll run a hard credit search that may impact your credit score.
The health of your credit score can affect your ability to obtain credit in the future.
Yes, you can repay your loan early without penalty. Settling early could save you money on interest compared with paying over the full loan term.
A secured loan is ‘secured' against something of value that you own, like your house or car.
An unsecured loan isn’t linked to your property or assets. All Post Office Personal Loans are unsecured loans.
Depending on your plans, a 0% purchase credit card, saving towards your trip or a provider’s payment plan could work.
Make sure you weigh up the pros and cons of different options and choose the one that best suits you.
If you miss a loan repayment, get in touch with us as soon as possible. We’ll work with you to find a way forward.
To keep your credit score in good health, make sure you make repayments on time. Missing them could harm your score for future applications.
Order any of over 60 cash currencies with 0% commission. Or take a handy, secure Travel Money Card you can load with up to 22 currencies
Find cover to help protect you on your travels. Options include single and multi-trip policies, cruise and winter sports cover, excess waiver and more
Order or renew adult and child passports for your trip. And get your application right time with our digital and paper Check & Send services
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