Rating based on 45 reviews

Post Office


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

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Post Office homepage

Author Post Office. Screenshot of Post Office website. [Accessed September 4, 2019]

About Post Office

The Post Office provides a wide variety of services to our customers in the UK.

We are proud to say that we have been in service for over 370 years and offer more than 170 different products and services with over 17 million customer visits weekly. Let the numbers speak for us when we say that if you need something one, Post Office can do it for you!

A trusted lender

The Post Office aspires to be at the very heart of all customers’ decisions by becoming the most trusted provider of essential services to every customer in the UK. We are also increasing direct contact with consumers by building additional call centres and handling more of our operations online providing access to more consumers than before.

Easy to access and easy to operate

If you would like to obtain more information regarding any of our products or services, our website contains ample information on each of our core sectors and their products. You can make use of our loan calculator to determine whether or not you will be eligible for a loan at The Post Office. After you have completed the assessment you can apply using our online application and receive an instant loan.

Post Office Services

One of our fastest growing sectors is our financial sector offering an array of personal loans.

Your personal rate that is paid will depend on the loan amount borrowed, the loan term as well as your personal circumstances.

Our loans are personalised

Whether you want to apply for a personal loan to finance a new vehicle, go on a family vacation or as debt consolidation. With one of our personal loans, you can spread the cost on what matters to you – after all, you know you best. We offer low rates from 3.0% APR on loans from £15 000 to £25 000 borrowed over a term of twelve months to seven years depending on your needs and circumstances.

Am I eligible to apply?

A simple and fast way to check whether you are eligible for one of our loans is to use our free eligibility checker that will not affect your credit score in any manner. In order to apply for a loan with us you have to be at least 21, be a UK resident for a minimum of three years, be employed earning a minimum of £12 0000, have a good credit rating, and a UK bank account. To complete the application we will require proof of address, your banking details, current employer’s details and a bank statement showing your income and expenditure.

Post Office Product Details

  • Loan Type Loans bad credit
  • Interest Rate from 6.9%
  • Loan Amount up to £25,000
  • Repayment 12 months to 7 years
  • Decision 48 hours

Summary of Services

  • Quick decisions
  • No penalty for overpayment
  • Eligibility check doesn't affect credit score

Allow Post Office to get rid of your debt nightmares

You deserve the opportunity to enjoy the things in life that you value.

The Post Office wants to award you with the ability to give attention to your valued matters.

Debt consolidation loans

We also aim to assist you in any way to make your life easier including consolidating your debts if that is what you need.

Do you want to see the world?

Has it always been a dream of yours to travel and see what the world has to offer? Why not apply for a holiday loan between £1000 and £25 000 to make that dream a reality? You can use the bad credit loan to cover flight and accommodation costs or to attend a family wedding overseas; whatever the case we can be of assistance to you.

Are your debts giving you nightmares?

If you have multiple debts that need repaying perhaps it is time to consider a debt consolidation loan wherein you can place everything you owe together in one place and pay only a single amount every month instead of paying and gathering interest on multiple debts. We offer debt consolidation loans from between £1000 and £25 000. We are here to make life easier to manage for you.

Customer Reviews & Testimonials

April 2019

Post Office was the only lender which I accepted my application regardless of my bad credit

Peter R
— Cardiff —

May 2019

My children always ask for money, thank you to the mobile app I am able to send them money anytime.

Stefan B
— Manchester —

Post Office Contact Details

Physical Address

  • 45 London Wall, London London Greater London EC2M 5TE United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed