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

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£1000 £40000

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Monthly repayment

Total repayable:

Representative example:

Representative 15.4% APR. Based on a loan amount of £4,000 over 36 months at an interest rate of 15.4% p.a. (fixed).

Monthly repayment £137.51.
Total amount repayable £4,950.25.

How our interest rates work:

The interest 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%.

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What you’ll get with a Post Office Personal Loan

  • Help with important moments like buying a new car, making home improvements, managing existing debts, and more

  • Borrow from £1,000 - £40,000

  • Get an instant decision when completing your full application, 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

What are you planning on using your loan for?

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.

Standards of Lending Practice

Bank of Ireland UK adheres to the Standards of Lending Practice which are monitored and enforced by the Lending Standards Board

Common personal loans questions

Here we’ve answered several of the questions people ask us most often about personal loans. 

You’ll find more, including about repayment and early settlement, on our help and support page

  • APR is the annual percentage rate used to describe the cost of borrowing money. It considers the interest rate, how frequent it is charged (daily, weekly or monthly), any fees charged when setting up the loan and any other applicable costs. The APR makes it easy to compare loan products across the market. 

  • This is the rate we expect at least 51% of successful applicants to get or lower. This is not a guarantee. Your personal APR could be higher or lower than the representative APR advertised.

  • An Illustrative APR is the lowest rate available for the selected loan amount. All quotes shown are for illustrative purposes. It gives an idea of how much the loan would cost over the term and what the monthly repayments would be based on this rate.

  • You can use the repayment calculator further up this page to get an idea of your potential monthly repayments. This is based on the amount you’d like to borrow and the period you’d like to pay it back over.

    When you’re ready, use our Fast Checker tool to check if you’re eligible for a personal loan. We’ll ask for a few of details, like your address and earnings. Then we’ll run a soft credit check, which won’t affect your credit rating. This will give you a ‘likelihood’ score, which shows how likely you are to be approved for a loan.

  • 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.

  • 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.

  • Yes you can up to £25000. However, before applying for a debt consolidation loan you should review your options to make sure that the loan you are thinking about is right for you.

  • We aim for the money to be in your bank or building society within 2 working days once we’ve received your signed agreement.

  • Yes. You have 14 days from the day you receive your acceptance letter to withdraw from your Agreement. If you decide you no longer want a loan from us, call 0800 169 2000 within this 14-day period. Please be aware that in the interest of quality and training, calls are recorded.

  • 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.

  • Yes. You can settle your loan 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 need to request a settlement quote by calling us on 0800 169 2000.
    To make a part settlement you can call us to make a debit card payment. As a result of any repayment, we will reduce the term of your loan unless you tell us otherwise.

  • To pay towards any outstanding arrears, you can call us on 0800 012 1548 to make a payment. We understand that if you've fallen behind with repayments, you might be worried. We want to help you as much as possible, so please call us. 

  • Your Post Office Loan is regulated by the Consumer Credit Act 1974 (CCA) which gives you protection and entitlements when entering into a credit agreement. One of these entitlements is that you can choose to repay your loan either partially or in full before the end of your original term. What is the difference between a Partial and Full Early Settlement?

    • Partial Early Settlement – This is where you make a payment towards the sum you owe to us which is over and above your normal contractual monthly repayment amount. There is no limit to the number of early settlements you can make during the term of your loan. There is no minimum or maximum amount you can pay.
    • Full Early Settlement – This is where you pay the full amount you owe to us and clear your loan before the end of the original agreed term. In both cases, you will be entitled to a rebate (further information on rebates can be found below).
  • You can request a Partial or Full Early Settlement by contacting us on 0800 169 2000 or writing to us at Customer Services Department Post Office Loans Customer Service Team, PO Box 246, Sheffield, S98 1QD.
    You will have 28 days from the day after you contact us to make your payment. If you don’t make the payment within this time you will need to contact us again so that we can provide you with up-to-date information. You then have a further 28 days from the day after this date to make your payment. Remember that if you change your mind, you are under no obligation to proceed.

    Some points to note:

    • If you want to make a Partial Early Settlement you can choose to either reduce the term of your loan or your monthly repayment amount. If you ask us, we can tell you how both options would affect you to help you decide. If you don’t tell us which option you want to take, we will automatically reduce your term meaning your monthly repayment would stay the same.
    • If you want to make a Full Early Settlement, we will tell you how much you need to pay us to clear your remaining balance completely and then confirm this to you in writing.
    • If you have any unpaid charges or arrears on your agreement, these will be cleared first and then the remaining amount will be used against the full or partial settlement to your loan.
  • Read more loans FAQs

Need some help?

Personal loans help and support

Find out the answers to common personal loans questions and how to reach us or make a complaint:

Visit our personal loans support page

Contact us for general enquiries

Call us at: 0800 169 2000

8.00am - 7.00pm, Mon - Fri
8.00am - 2.00pm, Sat
Closed Bank Holidays and Sundays