Rating based on 10 reviews

Post Office


  • Loans Bad Credit up to £25,000
  • Low-interest starting from 6.9%
  • Repayment up to 7 years

In-page navigation

Post Office homepage

Author Post Office. Screenshot of Post Office website. [Accessed May 17, 2020]

About Post Office

The fact that we have been around for a number of years has resulted in building customer satisfaction as well as client loyalty.

If anything, this is what we were intending to do because customers are an organization’s greatest asset. Having such a number of clients who have trusted our abilities has been one of the core reasons why we do everything we can to help our customers do better. 

What is our job?

Our job is to help you get better with time. Nobody perfected their budget overnight; everything becomes easier when you’ve got the right financial guidance from financial experts.

Apply for a loan, even with bad credit

Nothing gives us greater pleasure than seeing our customers moving forward because we know that they will be able to attend to their financial obligations.

Having a bad credit history will not stop us from helping you get ahead with one of our bad credit loans. We are a registered financial services provider that understands that people are human and they too, can make financial blunders.

Post Office Services

The urgency of requiring a bad credit loan to be approved should never supersede maintaining a good credit profile.

This should be a norm; ensuring that your credibility is never jeopardized. When your loan application has been approved, you will be issued with a credit contract to sign and abide by.

Post Office is available at your nearest location

Convenience is one of the key characteristics that we possess and that we want our customers to enjoy. There is no need to drive miles away to find a Post Office branch for a personal loan; we have a number of offices that may be closer to your area.

Let our online guides help you

Make use of the internet to guide you and you can find a Post Office near you. It is crucial that you adhere to all requirements set out in the agreement. Failure to do so will amount to financial charges and interests. We usually advise our customers to always be financially wise to not take up a short-term loan they don’t really need. If anything, the only time when you can consider a bad credit loan is when you have to attend to a financial emergency that can’t wait until payday.

Post Office Product Details

  • Loan Type Loans Bad Credit
  • Interest Rate from 6.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years
  • Decision 48 hours

Benefits of Post Office

  • Get your loan on the following day
  • Overpay your loan without penalties
  • Check your eligibility online
  • Instant decisions on applications

The Post Office will help you get a loan quickly

There could be a number of reasons that could have resulted in us turning down your online loan application.

It might be the fact that you already have too much on your plate in terms of financial obligations or due to the fact that your credit profile is not up to par. We will explain to you the reasons and offer suggestions on what you can do better to improve your application in the future.

What can I do to increase my chances of being granted approval?

Ensure that you stick within your budget. Don’t overspend where it is not necessary. Differentiate between a need and a want. If you don’t really need something, there is no reason to make a purchase.

When can I start making payments?

As soon as your loan for bad credit has been approved, you will have to decide on a date that is suitable for you to pay your loan. It is easier to make a debit order because it makes your life and the lender’s payment schedule less stressful. This means on the agreed upon date, money needs to be available in your bank account for the payment to be fulfilled.

Can I get a bad credit loan top-up?

While you might have been approved for your bad credit loan in the past, it doesn’t automatically mean your loan application will be approved again. There are a lot of aspects that come to play when you would like a bad credit loan top-up. We have to look at how you have been paying your previous payday loan before we can determine whether you can handle another expense or not. We would like to help everyone that comes to us for financial assistance but we also have to be realistic with every situation we are faced with. 

What are the requirements for a Post Office bad credit loan?

If you would like to apply for our quick loans, you have to be above the age of 18. At this point in time, we know that customers are mature and can make thoughtful decisions when it comes to their money. The client also has to be a United Kingdom citizen or should be permanently residing in the UK. The customer must be employed and should be earning a consistent salary so that they will have no worries paying for the loan. If you meet all these requirements, you can apply online and we will revert to you on the very same day.

I am unemployed; do I qualify for a loan?

We can’t help customers who don’t earn a salary as their payment schedules might not be regular. We need people who will be able to adhere to the dates at all costs. Give Post Office a call today or even better, drop us an email and we will be sure to get you a deal you can be proud to pay off.

man holding thumbs up

Post Office is a trusted & reliable provider of loans bad credit

In our review, Post Office adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Post Office is a registered credit provider in the UK; FCA number 630318

Customer Reviews & Testimonials

I am not sure what is better how easy it is to walk into my local post office or how affordable the loans are.

Caleb H
— Aberdeen —

With interest rates this low on loans, I don't know why people are even making use of other organisations. What could be more reliable than the Post Office?

Zane H
— Dorchester —

Post Office Contact Details

Physical Address

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:30 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed