Bring your goals to life. We can help with that
Borrow £1,000–£25,000 to support your work or personal goals
Repay over 1–5 years at a fixed interest rate
Fast online application and fast decision
It’s quick 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 self-employed loan is a type of personal loan you use to help with costs when you work for yourself. Choose how much you need to borrow. Then repay it in fixed monthly amounts, with a fixed interest rate, over an agreed term so you can stay in control of your budget.
You can use a self-employed loan for almost anything. Covering a quiet month or a surprise tax bill. Getting new kit. Even buying a car. It’s support for your business, your home and everything in between.
Taking out a self-employed loan might help if you’re:
Whether you're investing in your future or smoothing out your monthly budget, a self-employed loan can help keep your plans on track
Move your ideas forward: Invest in new technology, a vehicle or a home project. Borrow what you need now and repay in a way that fits your unique monthly income
Pay bit by bit: Cover the cost of essential tools, professional fees or project milestones upfront. Then pay the money back later over a fixed period
One monthly payment: Bring all costs together into a single fixed repayment. Simpler than juggling different costs through the year
Keep your savings intact: A loan lets you cover big expenses without having to dip into your hard-earned safety net
We’re a trusted UK brand working with Lendable to offer straightforward, transparent loans. We can help you move your goals closer
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 quickly: If approved, you’ll usually get the funds 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 self-employed loan is simple
It’s fast and won’t affect your credit score. You’ll get an instant decision
Choose the amount 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 income: Make sure you can afford the loan repayments and fit in with your income budget, even in the quieter months. If you think you may struggle, 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 the expense isn’t urgent, 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 even consider business finance. Each works differently, so consider the pros, cons and which option suits you best
Future commitments: If you’re applying for a mortgage or other large credit soon, taking out a new loan too might affect how those lenders treat your application
Tax responsibilities: Check how borrowing fits with your upcoming tax payments
Yes. While not everyone will be eligible, it’s possible to get a loan with a fluctuating income. What matters most is that you can afford the repayments.
You don’t need traditional payslips, but you may need to share details about your earnings. This could include bank statements or tax information.
Yes. If you complete the full loan application and accept the loan agreement, we’ll run a hard credit search that may change 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 needs, a 0% purchase credit card, saving up for the amount you need or looking at specialist business finance could work.
Make sure you weigh up the pros and cons of different options and choose the one that best suits the expenses you need to pay.
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.
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Benefit from fast, friendly, expert service through our 24/7 contact centre. Optional cover available for your tools, van contents, keys, and RAC breakdown
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Taking out a loan can be a useful way to make larger, single payments that you can’t use savings or income to cover. This could be buying a car, making home improvements, consolidating debt or paying for a holiday, to name a few.
Let’s imagine you’ve found the car you want. Whether you’ve had it in your sights on the dealership forecourt for months or your old faithful has at last burnt out its final gearbox, it’s time to move on. And now you’re wondering about the best way to pay for it. Is a car loan right for you? Should you take the car finance option? We’ll go through these questions and more so you’ve got more info when making the decision about how to pay for your next car.
You may have just bought your first home and want to do it up, or you might be a seasoned homeowner looking to make a large dent in that never-ending list of improvements. Whatever your reason for wanting to take out a loan for home improvement, it can help you achieve your dreams sooner.
One of the most exciting things about homeownership is being able to make changes and revamp your living space.
Thinking about borrowing money with a personal loan or credit card? It’s important to know how much it will cost, but seeing different APR and interest rates may feel confusing.