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Personal Loans | Get A Loan | Post Office - Let’s get an idea of your monthly loan repayments

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3.2%Instant decision in most casesFunds could be transferred the next working daychevron-right icon

Already have a personal loan and need to borrow more? It's quick and easy to apply online for additional borrowing.check iconcross iconchevron-right icondown-arrow icon8.1% APR Representative (fixed) on loans from £3,000 – £4,999Borrow from £1,000 - £25,000Instant decision in most casesTerms from 1 year to 7 years, depending on the amount borrowedFunds could be transferred the next working dayIf you pay off your loan early in full, we’ll charge up to 58 days interestchevron-right icon

What are you planning on using your loan for?

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

Manage all your existing debts with one simple monthly payment.

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

Apply now to find out what loan rate we can offer iconminus iconchevron-right iconTop questions people ask us

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 the rate a provider reasonably expects most applicants to receive. It's not a guarantee - your personal APR could be higher or lower than the advertised, representative 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 credit reference agencies, the loan amount you borrow and length of time you borrow for.

Can you tell me how to apply for a loan?

You can use the repayment calculator further up this page to get an idea of your potential monthly repayments, 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.

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.

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

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.

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

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.

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.

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 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.

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.

How can I make a payment towards outstanding arrears

If you're ready to pay towards outstanding arrears, you can make a payment online. We understand that if you've fallen behind with loan repayments, you might be worried. We want to help you as much as possible, so please call us on 0800 012 iconminus iconchevron-right iconTop questions for Early Settlement

Your Post Office Loan is regulated by the Consumer Credit Act 1974 (CCA) which gives you certain protections 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 the term you originally signed up for. 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 and 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).

How do I request an Early Settlement?

You can request a Partial or Full Early Settlement by either contacting us on 0800 169 2000 or writing to us at Customer Services Department Post Office Loans Customer Service Team