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Unsecured personal loans

Unsecured Personal Loans

An unsecured Post Office Personal Loan lets you borrow without having to put anything up as security. You just need to show you can afford to pay back the money.


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

Unsecured loan rates from

3.1% APR representative (Fixed) on loans from £15,001 – £25,000.

Your personal rate will depend on the loan amount, the loan terms and your personal circumstances.


  • Borrow from £1,000 - £25,000 over 1-7 years
  • Instant online decision in most cases
  • Personalised Fast Checker without affecting your credit rating
  • Funds  could be transferred the following day
  • No penalty for overpayments

Check if you're eligible for our personal loans without affecting your credit score

Representative Example:
Representative 3.1% APR. Based on a loan amount of £17,500 over 60 months at an interest rate of 3.1% p.a. (fixed). Monthly repayment £314.89. Total amount repayable £18,893.40

Repayments Calculator


Your Summary






Important information
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 28.9%.



What are unsecured personal loans, exactly?

All Post Office Personal Loans are unsecured – and they’re relatively simple. We lend you the money at an agreed rate of interest, without asking for security. Then you pay it back by a set date, usually in monthly installments.

Of course, we have to be sure we’re going to get the money back. So before we offer you an unsecured loan, we ask about your financial situation and check your credit score.

When could I find an unsecured Post Office Personal Loan useful?

If you need some money – perhaps to improve your home or go on holiday – an unsecured Post Office Personal Loan could be the answer. Especially if you don't have time to save up, and you don't want to run up a big credit card bill. You may be able to borrow between £1,000 and £25,000, so there are lots of ways you can use the money. You can even use it to pay off other debts, tidying everything up into one regular repayment.

What other advantages are there?

You can choose how long you take to pay the loan back – anything from one to seven years. The longer you take, the less you pay each month, but you’ll pay more overall. And if you want to pay the loan off early, we won’t charge a penalty.

Of course, the big benefit compared with a secured loan is you’re not putting your home or other possessions at risk. But you do need to be sure you can afford the repayments.

How much could I borrow?

Our Loan Calculator shows how much we’re likely to lend you.

How much are the monthly repayments likely to be?

They’ll depend on how much you borrow, the rate of interest you pay, and how long you take to pay the loan off. Our Repayments Calculator above shows what to expect.

What are my chances of getting an unsecured Post Office Personal Loan?

We have some basic requirements:

  • You’ve lived in the UK for at least three years.
  • You’re over 21, and won’t be over 70 when the loan term ends.
  • You’re employed, with a salary of at least £12,000. Or you’ve been self-employed for more than two years.
  • You have a good credit score with no County Court Judgements or bankruptcy.
  • You have a UK-based bank or building society account that can pay direct debits.


You can use our Fast Checker to find out how likely you are to get an unsecured Post Office Personal Loan. This will help you avoid applying and being refused, which could affect your credit score.

Want to find out more?

We hope you now feel you know a bit more about unsecured Post Office Personal Loans. If you want to apply for one, you can do so online.