Check if you're eligible without affecting your credit score

  • Get an instant decision on loans up to £25,000 in most cases

Personal Finance Provider of the Year 2018

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APR (fixed)

Annual Percentage Rate (APR) represents the amount of interest you'll pay annually for your loan. A representative APR is an advertised amount that a minimum percentage of customers will pay. The rate you are offered might differ depending on your personal circumstance and credit rating.

  • Instant decision in most cases
  • Funds could be transferred the next working day
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Top-up your existing loan

Already have a personal loan and need to borrow more? It's quick and easy to apply online for additional borrowing.

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What you’ll get with a Post Office Personal Loan

  • 8.2% APR Representative (fixed) on loans from £3,000 – £4,999
  • Borrow from £1,000 - £25,000
  • Instant decision in most cases
  • Terms from 1 year to 7 years, depending on the amount borrowed
  • Funds could be transferred the next working day
  • If you pay off your loan early in full, we’ll charge up to 58 days interest
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What are you planning on using your loan for?

Buying a car

Spread the cost for your car purchase, new or old.

Debt consolidation

Manage all your existing debts with one simple monthly payment.

Home improvement

New carpet, kitchen or conservatory? Get a loan to upgrade your space.

Need a hand with your first loan?

We’ll guide you through all you need to know and get you ready for your loan

Get your personalised rate

Apply now to find out what loan rate we can offer you.

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Top questions people ask us

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Top questions for Early Settlement

Still have questions about loans?

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Want to learn more about loans?

Credit score guide

Understand your credit score and
make better financial decisions.

Guide to car loans

You have options when choosing how to pay for your new car. Find out more here.

Home improvement loan guide

Find out how a loan can help you make changes to your home.

Financial jargon explained

Learn about the most confusing and commonly misunderstood jargon.

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Contact us for general enquiries

Call us on

0800 169 2000

8.00am - 7.00pm, Mon - Fri
8.00am - 2pm, Sat
Closed Bank Holidays and Sundays