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Personal loans from Post Office

Personal Loans

Borrowing £1,000 to £25,000? With a personal loan from Post Office, you can spread the cost of what matters to you.


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

Low 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 £1,000 - £25,000
  • Terms from 1 year to 7 years, depending on the amount borrowed
  • Instant decision in most cases
  • Check eligibility without affecting your credit rating
  • Funds could be transferred the following day

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 29.9%.

A loan that’s right for you

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. You can choose the term you pay back over and regular monthly payments will help you plan your budget.

  • Borrow £1,000 - £25,000
  • Terms from 1 year to 7 years, depending on the amount borrowed
  • Instant decision (in most cases).
  • Check eligibility without affecting your credit rating.
  • Funds could be transferred the following day.

Will I get accepted?

Try our Fast Checker. It won’t affect your credit score

Fast Checker

How much can I borrow?

Find out how much you can borrow with our online loan calculator

Loan Calculator

Got any questions?


What is an APR?

APR is the Annual Percentage Rate (APR) and is used to describe the overall cost of money borrowed. It takes into account the interest rate, when it is charged (daily, weekly, monthly or annually), any fees charged when setting up the loan and any other costs applicable to the loan. The APR makes it easy to compare different loan products across the market.

The Representative APR is an APR at or below which an advertiser reasonably expects most people who apply for this product will get.

Will I receive the advertised APR?

The APR you receive may vary from the advertised rate. This is the representative rate which we expect most people who apply to get.

The rate you are offered will be a personalised rate based on your current individual circumstances including credit information held about you by the credit reference agencies, the loan amount you borrow and length of time you borrow for.

Applying for a Post Office Loan

Can you tell me how much a loan will cost without impacting my credit score?

We offer a Fast Checker quotation tool which enables you to find out how likely you are to be accepted without impacting your credit score.  All you need to do is provide a few details. Find out more by clicking our Fast Checker tool

Where can i find the key information about Post Office  Loans?
Please read our leaflet borrowing money with a Post Office Loan for key information.

Can I check my eligibility before I apply?

Yes, you can use our Fast Checker tool

What is e-signature?

You may be offered the opportunity to sign your agreement form online, saving the need to post documents.

Will I need a credit check?

Yes. A credit check will be completed to help us make a decision on your loan application. Please read our decision explained leaflet for more information on how we assess your application.

What can I do if my Post Office Loan application is declined and I would like to appeal?

If you would like to appeal our decision you may do so by calling our Customer Service Team on 0800 169 2000. You may be asked to provide additional information to support your appeal, although there is no guarantee that our original decision will be changed.

Can I use this loan to pay off other debts?

Yes you can, however, before applying for a debt consolidation loan you should review your options to make sure that the loan which you are considering is right for you.

Can I change my mind about taking out a loan?

Yes. You’ll have 14 calendar days from the day after you receive your acceptance letter to withdraw from your Agreement. If you decide you no longer want a loan from us, just call 0800 169 2000 within this 14 day period.

Managing your Loan

How do I make my monthly repayments?

Monthly repayments are made by direct debit, unless we agree otherwise. Your direct debit will be set up from the bank / building society account you have chosen during your application.

If you want to change the bank account from which your repayments are paid please contact us on 0800 169 2000.

Can I choose the date to make my repayments?

Yes, of course. Just call us on 0800 169 2000, after you’ve made your first repayment, and let us know which day of the month is best for you. Repayment date changes are limited to one per calendar year.

When do I need to make my first loan repayment?

Your first loan repayment will be one calendar month from the date the loan is released to you. You’ll see the date on your welcome letter. If this day falls on a bank holiday or weekend, the repayment will be made on the next working day.

Can I take a payment break?

No. We’re sorry, but you can’t take a payment break with our loan.

If you are struggling to keep up with the repayments on your loan, we’re here to help. Please contact us on 0800 169 2000. Alternatively, there are lots of organisations that can provide confidential, impartial and free help and advice. More information can be found in our leaflet Are you in financial difficulties?

Can I pay my loan off early?

Yes, you can settle your agreement early in full or in part, at any time. Please be aware if you make an early settlement in full, we will charge up to 58 days' interest.

If you wish to pay off your loan in full you will firstly need to request a settlement quotation by calling us us on 

0800 169 2000. 

To make a partial settlement you can call us to make a debit card payment. As a result of any repayment we will reduce the term of your agreement unless you tell us otherwise.

How do I find out how much my outstanding loan balance is?

If you ever want to find out the outstanding balance of your loan account, simply call us on 

0800 169 2000.

What should I do if I need to change my personal details?

If you need to inform us of any changes to your personal details, please call us on

0800 169 2000.

Financial Difficulties

Can I get help if I get into financial difficulty?

If you are struggling to keep up with the repayments on your loan for whatever reason, we’re here to help. It is important that you call us on 0800 169 2000 and we’ll talk you through the options available to you.

There are lots of organisations that can provide confidential, impartial and free help and advice. More information can be found in our leaflet Are you in financial difficulties?

If you are already in touch with an organisation that is giving you financial advice, please let us know and we can deal with them directly.

Small print

Post Office® personal loans are provided exclusively by Bank of Ireland (UK) plc.

Post Office Limited is a credit broker and not a lender. Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Post Office Limited is registered in England and Wales. Registered Number 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. . Our FCA Register number is 409080. You can confirm our registration on the FCA's website ( in new window).

For general enquiries call:

0800 169 2000 8.00am - 8.00pm, Mon - Sat
9.00am - 5pm, Sun
Closed Bank Holidays

When you take out a loan we will send you two text messages, one to confirm the loan and the second to advise you of your first payment

Moneyfacts Award 2018

The recommendation given relates to the product, application process and servicing, which are provided in conjunction with Bank of Ireland UK.