Rating based on 83 reviews

Post Office Money

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

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Author Post Office Money. Screenshot of Post Office Money website.
[Accessed March 26, 2020]

About Post Office Money

We have been in the finance industry for a long time and are one of the UK's leading lenders.

We offer a range of financial and banking services to UK residents and carry some of the most competitive rates on the market.

At Post Office, you come first

We can tailor a loan product to suit you and your personal income, budget, and lifestyle. If you are after a personal loan; secured or unsecured, Post Office can help. We offer low rates, flexible repayment terms, and excellent customer service - and you can access all this from your computer or mobile device.

Post Office takes care of businesses too, with a selection of business loan options we can help you with your finance needs whether you're just starting out or looking to expand your thriving business - we offer great rates and solutions that meet your needs.

A transparent lender

Post Office methodology is straightforward, and you will know precisely what the reimbursements will be when we do. To apply for a quick cash loan with Post Office Money simply visit our website and make our loan repayment calculators - then tell us what you need and we'll take it from there.

Post Office Money Services

Have you encountered tough times in the recent past and have now recovered from hardship? 

We won't pass judgment on you based on your past and will certainly consider any short-term loan application you make with us if your credit has shown signs of serious improvement.

We offer bad credit loans

If you've been denied credit from another lender based on a poor credit score we suggest you wait a few months before making another bad credit loan application.

If you think you've been denied credit unfairly then we invite you to apply with Post Office Money and we will do everything we can to find a solution for you. We do, however, have a minimum credit score which all of our customers must have in order to qualify for a same-day loan with us.

We're passionate about helping you

If you've been denied credit by another lender, then request a loan with us. Post Office is here to help people of all kinds from different backgrounds access the credit they need to make their dreams happen. Don't let a bad credit history keep you down.

Post Office Money – Bad credit loan

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

Benefits of Post Office Money

  • Check your eligibility without affecting your credit score
  • Instant decisions on loan applications
  • Get your loan on the following day
  • Overpay your loan without the added cost

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Get a personal bad credit loan from Post Office Money

Post Office Money offers bad credit loans in the form of our very convenient personal loans which range between £1,000 and £25,000.

These loans can be used for a wide range of purposes from buying a car to consolidating debt. Our loans are provided by the Bank of Ireland and carry a Representative 6.90% APR.

APR stands for Annual Percentage Rate and is the rate that we offer to the majority of people who apply for a loan with us. If you have poor credit and are looking for a bad credit loan, the APR that you will be offered will be significantly higher than this. This is because lending to someone who has adverse credit history carries a greater risk than lending to people who have a good credit score.

Top Features of Post Office Money’s Loans

  • Select a loan amount ranging from £1,000 to £25,000
  • All loans are provided by the Bank of Ireland
  • Loans offered have fixed monthly repayments so you always know what you will be paying
  • Representative 4.4% APR
  • Get your money 48 hours after loan approval
  • We don’t charge any arrangement fees
  • Get an instant decision when applying online
  • 14 day cooling-off period in case you change your mind about taking out a loan

Use a loan from Post Office Money to consolidate debts

Post Office Money offers bad credit loans that can effectively be used to consolidate debts. Generally speaking, the debts that you will be able to consolidate should primarily be unsecured debts such as credit and store card debts. A simple way to determine whether taking out a loan will help reduce the amount that you pay in interest overall is by combining all of your existing debt and adding the overall interest that these debts will incur. This amount must then be compared with the overall amount you’ll be repaying on you bad credit loan.

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Post Office Money is a trusted & reliable provider of bad credit 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 UK: FSA 630318

Customer Reviews & Testimonials

October 2019

At the Post Office they will definitely keep you posted and up to date with the most current progress. There is nothing worse than waiting for a call or waiting to hear about the current progress...

Lyle P
— Aberdeen —

June 2019

There is no hidden print, no secrets and no surprises – Post Office operates with 100% transparency. They will tell you about all the charges, fees and costs involved upfront before you sign. The...

Matthew H
— Bradford —

Post Office Money Contact

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 –