Compare Post Office Loans

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One search using our personal loan service will give you clarity about your loan options.

You will be shown the rate you will actually get, if you are pre-approved for your loan & sort those results just for you.

Selected Personal Loan Deals

Loan Type
cahoot Personal Loan
APR/APRC
2.8% APR
Representative (£7,500-£20,000)
Loan Term
1 to 5 Years
Borrow

£1,000 to £20,000
Excellent Credit Only!

Representative Example:The Representative APR is 2.8%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 2.8% p.a. (fixed). Monthly repayment £178.64 & total repayable £10,718.40.
Loan Type
Santander Personal Loan
APR/APRC
2.8% APR
Representative (£7,500-£15,000)
Loan Term
1 to 5 Years
Borrow

£1,000 to £25,000
Excellent Credit Only!

Representative Example: The Representative APR is 2.8%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 2.8% p.a. (fixed). Monthly repayment £178.64 & total repayable £10,718.40.
Loan Type
M&S Bank Personal Loan
APR/APRC
2.8% APR
Representative (£7,500-£15,000)
Loan Term
1 to 7 Years
Borrow

£1,000 to £25,000
Excellent Credit Only!

Representative Example:The Representative APR is 2.8%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 2.8% p.a. (fixed). Monthly repayment £178.64 & total repayable £10,718.40.
Loan Type
Post Office Personal Loan
Rates From
2.8% APR
(£7,500 to ££25,000)
Loan Term
1 to 7 Years
Borrow

£1,000 to £25,000
Excellent Credit History Only!

The Representative APR is 8.3%

Representative Example: Based on a loan amount of £4,000 over 36 months at an interest rate of 8.3% p.a. (fixed). Monthly repayment £125.34. Total amount repayable £4,512.24
Loan Type
AA Personal Loan
APR/APRC
2.9% APR
Representative (£7,500-£25,000)
Loan Term
1 to 7 Years
Borrow
£1,000 to £25,000
Representative Example:  The Representative APR is 2.9%. Based on a loan amount of £10,000 over 60 months at an interest rate of 2.9% p.a. (fixed). Monthly repayment of £179.93. Total amount repayable £10,795.80.
Loan Type
Shawbrook Bank Personal Loan
APR/APRC
7.6% APR
Representative (£1,000-£30,000)
Loan Term
1 to 7 Years
Borrow
£1,000 to £30,000
Representative Example: The Representative APR is 7.6%. Based on a loan amount of £10,000 over 60 months at an interest rate of 7.6% p.a. (fixed). Monthly repayment of £199.66. Total amount repayable £11,979.32.

Post Office Personal Loan Features

  • Competitive rates
  • Check eligibility without affecting your credit rating!
  • A broad choice of amounts to borrow from £1k to £25k
  • Flexibility in arranging your repayments
  • Provided by Bank of Ireland Personal Finance limited

Loan Calculator

Post Office offer an online loan calculator which provides terms on loans up to £25,000 from 1 to 7 years.

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 installments be.

Before you apply for a loan

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.

With any loan application a lender will look at your personal credit score. You can find out what your credit score is by accessing your credit report. For more information on this read more about how you can improve your credit score

If you have a fair or poor credit score Post Office will not offer you a loan. Please try one of our other partners if you have less than perfect credit. Fluent Loans will shop around the market for you or alternatively if you are a homeowner try Shawbrook Bank

Who Can Apply For A Post Office Loan?

To be eligible to apply for a PO loan you must;

  • Have been a UK resident for at least 3 years
  • Be over 21 and  no older than 70 when the loan term ends
  • Be employed with a salary of £12,000 or more. If self-employed you must have been so for over 2 years
  • Not have a history of County Court Judgements or bankruptcy
  • Have a UK based bank or building society account that can pay direct debits

How Long Can You Take Out A Post Office Loan For?

Many providers provide a maximum loan term of 5 years but for the Post Office you can take out a personal loan for up to 7 years.

When will I hear I have been accepted for a loan?

The Post Office can provide an instant decision, but if they are not able to do that then you will hear in writing within 5 working days.

What happens if you are accepted for a loan with Post Office?

You will recieve a offer letter in the post.

You’ll need to check all the details and sign the agreement if you wish to proceed.

You’ll also be sent a copy of  their Terms and Conditions, Pre Contractual Information (SECCI) and Important Information about your loan.

It is important that you read and understand the information contained within these documents. Please contact PO if there is anything that you do not understand.

How quickly Will Post Office Pay You The Loan?

On receipt of the signed paperwork PO  will pay the money into your bank or building society within 2 working days.

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One search using our personal loan service will give you clarity about your loan options.

You will be shown the rate you will actually get, if you are pre-approved for your loan & sort those results just for you.

Our personal loans eligibility service is provided by Uplift Money Ltd. The data you supply and submit is used to retrieve loan quotes from Uplift Money’s panel of lenders. By using their loans eligibility service you are agreeing to Uplift Money’s terms and conditions and privacy policy which can be found at Uplift Money Ltd

Uplift Money Ltd are an appointed representative of Dennico Ltd who are authorised and regulated by the Financial Conduct Authority. Dennico Limited is registered in England & Wales under company number 11034439. Registered Office is Steam Mill Business Centre, Steam Mill Street, Chester, UK, CH3 5AN.