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It's quick and easy to apply for additional borrowing.


Post Office Personal Loans are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. 



Top up your existing Post Office loan

Already have a personal loan and need to borrow more? It's quick and easy to apply online for additional borrowing. Need a new car? Improving your home? Paying off your debts? Whatever you’re borrowing for, a Personal Loan from Post Office could be right for you.

  • No hidden fees - we won’t charge you any penalty interest for settling your existing loan
  • No obligation quote - a personalised quote that won’t affect your credit rating
  • A quick decision - we usually give an instant online decision
  • 8.3% APR Representative (Fixed) on loans from £3,000 – £4,999
  • You could borrow up to £25,000, depending on your circumstances. This amount includes your existing loan.
  • A choice of topping up your existing loan or taking out a second.

Please see Important Information section below for further information, including our Statement of Lender and Borrower Responsibilities.

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Representative example:

This is not based on your details, it is just an example to show how repayments might work for this kind of loan.

Representative 8.2% APR. Based on a loan amount of £4,000 over 36 months at an interest rate of 8.2% pa (fixed). Monthly repayment £125.17. Total amount repayable £4,506.12.

The interest rate offered on assessment may differ and the representative rate may not be the rate that you receive. The rate you are offered will depend on a number of factors including the amount you wish to borrow, your chosen term, your personal circumstances and your credit rating. The maximum APR you could be offered is 29.9%

In other words…

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A loan amount of £4,000

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Over 36 months

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With a Fixed rate of 8.3% p.a.

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Means a monthly payment of

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Your borrowing options

During the application process you'll have the option to either:

top up existing

Top up your existing Personal Loan

Replace your existing loan with a new one and you will have one new monthly payment

  • Red ticket When you top up a loan we set up a new loan for the remaining balance plus the extra amount you want to borrow.
  • Red ticket The new loan may have a different interest rate and term from your initial loan, therefore you could pay more interest than before.
  • Red ticket If your current loan is £5,000 and you want to borrow an extra £2,000, we’ll open a new loan for £7,000 and pay off the first loan, leaving you with the remaining amount.
  • Red ticket When selecting your top up amount, we will round up the amount to the nearest £100. You should therefore take this into consideration when deciding on the top up amount you need.
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Take out a second Personal Loan

Choose to take out a separate loan that sits alongside your existing one

  • Red ticket There may be times when you don’t want to top up an existing loan. This may be because you took your current loan for a specific reason and want to keep the repayments separate.
  • Red ticket You can also choose to take out a separate loan that sits alongside your existing one that you'll continue to repay separately.
  • Red ticket You will have two monthly payments until your existing loan finishes. Your existing loan will remain under its original terms and rate.
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Frequently asked questions

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Applying for a Post Office Loan

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Managing your Loan

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Contact us for general enquiries

Call us on

0800 169 2000
8.00am - 7.00pm, Mon - Fri
8.00am - 2.00pm, Sat
Closed Bank Holidays