Rating based on 19 reviews

Post Office


  • Payday loans up to £25,000
  • Low-interest starting from 4.4%
  • 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

Post Office is a credit broker based in the United Kingdom.

We provide a wide range of services to a large network of people through our nationwide post office branches. Currently, there are around 11,500 post office branches across the UK, of which 300 are directly managed by Post Office.

Personal loan solutions

When you take out a loan with us, we will send you two text messages, one to confirm the loan and the second to advise you of your first payment. We do personal loans for cars, home improvements, and debt consolidation loans. Our personal bank loans are provided by the Bank of Ireland UK. We are an authorized credit broker and not a lender.

What you should know:

  • We borrow from £1,000 - £25,000
  • We have loan repayments from 1 to 7 year period
  • We provide Instant online decision in most instances
  • We offer a personalised Fast Checker without affecting your credit rating
  • We could transfer funds within a day
  • We have no penalty for overpayments

Post Office Services

We offer a low rate representative (fixed) on loans from £15,001 – £25,000.

The personal rate will depend on the loan amount requested. In addition, our loan terms, as well as your personal circumstances at the time, are determinist.

What is an APR?

The interest rates may differ and the representative rate may not be the rate you receive. The rate offered is dependent on a number of factors including the amount you wish to borrow, your chosen terms, your personal situation as well as your credit rating. So, essentially the maximum APR you will pay is 2.89%. Annual Percentage Rate (APR) is used to describe the overall cost of money borrowed. APR takes into account the interest rate charged daily, weekly, monthly or annually.

We offer you credit cards

Select a credit card that best suits you. First, check if you are eligible for one of our cards before you begin the application process. We offer you a personalised rate tailored to your current financial situation, which includes your credit information held by credit listed agencies. This will determine the loan amount you borrow from us as well as the length of time you the money is borrowed.

Post Office Product Details

  • Loan Type Payday loans
  • Interest Rate from 4.4%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years

Summary of Services

  • Speedy loan application decision
  • No penalty charges for overpayment
  • Access your funds the following day

Loans at Post Office Money are made with you in mind

Here are our rates when taking out a credit card with us.

We offer you (0%) on balance transfers for up to 25 months, however, we charge a (2.89%) balance transfer fee, and furthermore (0%)on all purchases for the first 25 months.

Personal loans fast checker

By using our Fast Checker, we will be able to tell you how likely you are to be accepted a Money Loan with us. Is simple, and easy to use – just input a few details and we’ll be able to feedback right away. The best part is, it won’t leave an imprint on your credit rating, meaning it won’t affect your ability to borrow in the future.

Should you decide to proceed the application with us, your APR and monthly payment amount may change as your APR will be based on a full assessment of your credit file.

Am I eligibility for a money loan?

We have certain conditions in place for us to consider your Money loan application.

In order to apply for a Post Office payday loan, you'll need to confirm that you:

  • Have been a UK resident for at least 3 years
  • Earn a regular income above £12,000 a year. In the event, you are self-employed, you must have been employed for a minimum of two years.
  • You must be over the age of 21 and no older than 70 when the loan term ends
  • You must have a good credit rating without a history of County Court Judgment or bankruptcy
  • You must have a UK based bank or building society account that can pay direct debitsYou must ensure that you can consistently meet the repayments, as neglected payments incur a charge and could incur severe consequences on your ability to obtain future credit

Mortgages made with you in mind

At Post Office, we understand that everyone’s situation is unique. As such, we are in partnership with Bank of Ireland UK, in turn, offering you a new mortgage range that could work for you.

Are you buying your first home? Remortgaging an existing property? Buying to let? Buying your second home? Remortgage with us? Are you an existing mortgage customer? Switch to a better deal? Need to borrow form your mortgage? Wish to manage your mortgage better?

Post Office Savings Accounts

Make sure your money is working for you. We offer tax-free savings options, easy accessibility to your accounts and bonds whilst make the best use of money and savings all at once!

Do you need travel money?

Purchase your travel money online, simply click and collect at your nearest Post Office branch.

We have 11,500 Post Office branches stretched across the United Kingdom. In addition, we offer you a competitive money exchange rate, at 0% commission fee on holiday money exchanges.

Customer Reviews & Testimonials

September 2018

I paid my bills and repaired my car and it only happened because I went to Post Office

Mary C
— Edinburgh —

August 2018

I didn’t believe that things could better. But they did; Post Office made them.

Shirley W
— Bristol —

July 2018

Flexible and trustworthy – Post Office is the best place to go to.

Robert D
— London —

January 2019

Post Office pulled me through terrible times.’

Marion C
— London —

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