Rating based on 31 reviews

Post Office Money


  • Personal loans up to £25,000
  • Low-interest starting from 3%
  • Repayment up to 7 years

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Post Office Money homepage

Author Post Office Money. Screenshot of Post Office Money website. [Accessed December 18, 2018]

About Post Office Money

We have been providing our services in the UK for more than 370 years and continue to do so.

We want to be at our customers’ very first choice when it comes to loan services and this requires of us, to become the number one trusted personal loan provider in the UK. 

UK’s largest retail group

Not only are we the UK's largest retail network but also the largest financial services chain in the UK.

Additionally, we also have growing direct communication channels such as contact centres and online.

Staying ahead in the lending industry is how we have reached our current level of success within the industry.

What are we proud of?

  • Over 370 years of service
  • More than 170 products and services
  • Over 11,500 Post Office branches nationwide managed by local people
  • Over 17 million customer visits and 47 million transactions per week

We have four product pillars

  1. MAILS retail
  2. FINANCIAL services
  3. GOVERNMENT services

Post Office Money Services

Are you looking for a personal loan to purchase a car, for home improvements and other requirements or simply to consolidate your debt?

Post Office Money has expert personal loans to serve a number of purposes. Bank of Ireland UK provides our personal loans and we are a credit broker and not a lender.

Low rates on personal loans

We offer a fixed 3.0% APR representative on loans from £15,001 to £25,000. Our repayment terms range from one to seven years, which gives you the flexibility of more affordable repayments.

Personal loans features

  • BORROW from £1,000 - £25,000 over one to seven years
  • INSTANT online decision
  • NO SETUP fees or hidden charges
  • FUNDS transferred within two working days
  • NO PENALTY for overpayments

Available in-store, online and via call centres

Customers are able to apply for our products and services via our branches, call centres and online. With our nationwide network of branches, run by local, we strive to deliver world-class services to all our clients. Due to our extensive presence in the UK and our wealth of expert services, we are a preferred lender in the UK.

Post Office Money Product Details

  • Loan Type Personal loans
  • Interest Rate from 3%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years

Benefits of Post Office Money

  • Get your loan on the following day
  • Overpay your loan
  • Check your eligibility online
  • Instant decisions on loan applications

Post Office Money is a trusted name in the finance industry

Use our convenient online repayment calculator to determine the terms of the personal loan you wish to apply for.

The repayment amount will depend on your personal financial circumstances, the loan amount and repayment period. Before you apply, you will need to ensure that you meet the minimum requirements for our personal loans.

Minimum loan criteria

  • You have been a UK resident for at least three years
  • You are required to be over 21 and no older than 70 when the loan term ends
  • You have to be employed with a salary of £12,000 or over
  • Good credit rating without a history of County Court Judgments or bankruptcy
  • You have a UK based bank account or building society account that facilitate direct debits
  • Ensure you are able to afford the loan repayments

Required documents

  1. RESIDENTIAL address(es) for the last three years
  2. BANK or building society account details
  3. EMPLOYMENT details
  4. INCOME and expenses

Monthly repayments

Monthly repayments will be set up via direct debit, unless we agree otherwise, from your personal bank or building society account.

Choose your own repayment date

Just call us on if you wish to select another repayment date after your first repayment monthly instalment has been deducted. However, repayment date changes are limited to one per calendar year.

First repayment date

From the date the loan is transferred, one month prior, the first repayment monthly payment will be deducted and will be disclosed within your welcome letter. Should you have any questions, please feel free to contact us regarding the repayment structure.

Early loan repayment

You are able to settle your agreement early in full or in part, at any time but you are firstly required to request a settlement quotation by calling us. We are always ready to assist you with any queries, questions or concerns.

Quick, easy personal loan application

To apply for a personal loan will only take a few minutes of your time and you will be given an instant decision at the end of the application, provided that information has been submitted.

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Post Office Money is a trusted & reliable provider of personal loans

In our review, Post Office Money 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 Money is a registered credit provider in the UK; FCA number 630318

Customer Reviews & Testimonials

Truly what could be more convenient than taking out a loan whilst you are already at the post office.
The staff are very friendly and always happy to assist.

Lorena M
— Brighton —

With such low-interest rates and flexible repayment terms, I would be a fool not to get my loan from the Post Office.

Donovan K
— Sheffield —

Post Office Money Contact Details

Contact Number


  • not available


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