Get quick access to money you need. We can help with that
Borrow £1,000–£25,000 for unexpected bills or other costs
Repay over 1–5 years at a fixed interest rate
Apply online and get a 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 small loan is a type of personal loan designed to help you cover essential costs or a purchase you would like to make now. You borrow what you need and repay in fixed monthly payments over a set term so you can make it work with your budget. You can use a small loan to help raise funds for things like unexpected bills, home repairs, a car upgrade, a special holiday, a milestone birthday celebration or even towards the cost of a wedding.
Taking out a small loan might help if you’re:
A small loan can help you finance the unexpected or treat yourself to a purchase with manageable monthly costs
Bring your plans to life: Buy a car or book a holiday. Borrow what you need now and repay in a way that fits your monthly budget
Spread the cost over time: Pay the money back over 1-5 years, choosing a loan term that suits you best
One monthly payment: Bring all costs together into a single fixed repayment. Simpler than juggling different 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 buying what you need
We’re a trusted UK brand working with Lendable to offer straightforward, transparent loans. We can help you get your plans moving forward
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 small loan is simple
It’s quick and won’t affect your credit score. You’ll get a fast 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:
Is the loan essential: Small loans should be used for essentials and planned costs. Make sure you can afford the loan repayments. If you’re unsure, 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
Saving up: Consider saving up instead of borrowing. Using some savings can lower how much you need to borrow. Especially if it’s for something that has smaller costs
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 plans: 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
You can use a small loan for a mixture of things including emergency bills, repairs, home essentials, holidays, car costs or other personal needs.
It is worth noting that interest rates for smaller loans can sometimes be higher because the borrowing amount is lower. It’s always best to check what each lender offers.
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. Making repayments on time every month can improve your score over time.
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.
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.