Post Office Loan

Compare Post Office loans

If you’re looking for a loan you might be wondering what The Post Office can offer you, The Post Office States new Post Office loans are coming soon. You can use the below loan comparison tables to compare loans from different lenders at the same time.

Featured Loan Deal
ProviderLoan AmountCredit HistoryRates FromTerm 
£1,000 to £25,000Good Credit Only3.4%



1 year to 7 yearsGet Quotes >
Loans from £1,500 to £25,000. Instant online decision. Representative 3.4% APR. Based on a loan amount of £10,000 over 60 months at an interest rate of 3.4% p.a. (fixed). Monthly repayment of £181.24. Total amount repayable £10,874.29. Post Office Personal Loans are provided by Bank of Ireland (UK). Post Office Limited is a credit broker and not a lender
ProviderLoan AmountCredit HistoryRates FromTerm 
£2,500 to £15,000Good Credit Only3.2%



2 years to 5 yearsGet Quotes >
  • 10 minute online quote, instant decision
  • Money can be with you within 48 hours
  • No arrangement, over payment or early repayment fees
  • Must be aged 21 or over
  • UK Resident with a UK bank account

Representative Example:  The Representative APR is 3.2%, so if you borrow £7,500 over 3 years at a rate of 3.03% p.a. (fixed) plus an arrangement fee of £30, you will repay £218.94 for 36 months and £7,881.84 in total.

£1,000 to £25,000Good Credit Only7.9%


1 year to 7 yearsGet Quotes >
  • 7.9% APR Fixed for personal loans between £1,000 and £25,000 
  • Sole or joint names
  • Choose loan length (1 to 5 year for loans £1,000 to £15,000, 1 to 7 year for loans £15,100 to £25,000)
  • Get a personalised quote online without affecting your credit score
  • Option to repay early, unlimited over payments and payment holidays
  • No fees to pay
  • Must be aged between 50 and 75 
  • Must own your home in England, Scotland or Wales
  • Must have a single or combined income of at least £12,000, which includes pensions and income from savings and investments.
  • Provided by Shawbrook Bank Limited
  • Acromas Financial Services Limited is a credit broker, not a credit lender

Representative Example: The Representative APR is 7.9%. Based on an assumed loan amount of £10,000 over 36 months at a interest rate of 7.9% pa (fixed), you will repay £311.65 per month. Total amount you repay £11,219.40.

£1,000 to £25,000All Credit Histories Considered14.9%


1 to 5 YearsGet Quotes >

Representative example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

£1,000 to £20,000All Credit Histories Considered42.5%


1 to 4 YearsGet Quotes >
  • Rebuild Your Credit
  • Interest rates start from 9.3% APR
  • Fast,online application - optimised for all desktop / mobile / tablet devices
  • Instant Online Decision using 'soft' credit searches (Won't affect your credit score)
  • Funds as soon as same day
  • No hidden fees or early repayment charges
  • Must be aged 18
  • Must be UK resident
  • Administration fee applies, not payable upfront but instead included in monthly repayments
  • Applicants must have a net monthly income of at least £1,000, be in full time or part time employment, and have no CCJ's

Representative Example: The Representative APR is 42.5% (fixed). If you borrow £3,000 over 3 years at a rate of 31.9% p.a (fixed) plus an arrangement fee of £157.90, you will repay £137.31 per month & £4,943.24 in total.

£1,000 to £20,000All Credit Histories Considered99.90%


1 to 2 YearsGet Quotes >
  • Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application
  • Fixed monthly repayments
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 99.9% (fixed) - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.

New upcoming Post Office personal loans will feature:

  • Competitive rates
  • A broad choice of amounts to borrow
  • Flexibility in arranging your repayments
  • Provided by Bank of Ireland Personal Finance limited


Loan Calculator


If you are interest in a taking out a loan with a specific lender, you could see if they offer their own loan calculator, you normally just need to enter into the loan calculator how much you would like to borrow as well as how long you would like the repayment term to be. The calculator will then generate an estimate of the total you would be required to repay and a breakdown of what that would work out as per monthly instalment. However you should remember that if you decide to apply for the loan and you are accepted the lender, once they have assessed your credit history and other financial information, may decide to other you a different APR than their representative APR. This means that the amount you would be expected to repay would be different, as would the size of your instalments be.


Before you apply for a loan


Before taking out a loan it is worth checking out how it compares with the leading market rates - let our loan calculator might be able to help you.  Just click on the link and enter some basic details about the type of loan deal you are looking for and our comparison service will display potential offers.


When looking for a loan consider what features are important to you,  you may also want to Consider alternatives to borrowing before you apply, for example if you have any savings it might be beneficial to use these instead;  as it may be that the interest you pay on a loan will be higher than any interest you earn in your savings.


There are other types of borrowing than loans such as authorised overdrafts and credit cards you might wish to consider.


Also if you are thinking of taking out a loan to consolidate debt understand that spreading your payments over a longer term could mean you  ultimately pay more overall than you would with your existing arrangements, even if the interest rate on the new loan is less than the rates you have at the moment.