Rating based on 66 reviews

Post Office

  • Debt consolidation 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 8, 2021]

About Post Office

Post Office Money offers a range of financial products; from personal loans and debt consolidation loans to credit cards and current accounts - we certainly can be considered a fully comprehensive lender.

Our central goal isn't just to help our members get by, we exist to help them recognize each ounce of their potential. Furthermore, we know what matters and strive to offer reliable, affordable and low rate auto and home loans.

24-hour access to our services

Post Office is one of the nation’s most popular and reliable lenders. We diligently serve customers all over the country and have a very modern and useful website and online banking platform where you can easily apply for a loan online, pay bills, transfer money, update your details and get the latest information about our products and services.

We are accessible to members overall by means of the website seven days a week, 24 hours a day. Whether you're looking for a debt consolidation loan or a credit card - visit us in branch or on our website and see just how much you could save!

Post Office Services

Debt is something that can sneak upon us. It may begin with a store loan here or a credit card there, yet it can quickly get out of control.

After a short time, you will most likely be unable to manage the cost of your regularly scheduled payments, and it may start affecting your credit score. If this situation sounds familiar you should consider talking to us about debt consolidation and how we can assist you to clear your debt, one step at a time.

The power of ONE

Improve your finance with the power of ONE. One loan. One offset record. One monthly reimbursement. One interest rate. Every consolidation loan reimbursement decreases your debt and gets you one stage closer to your objective. The professionals at Post Office will evaluate your finances and examine your financial circumstances to find out if your situation is one which could benefit from consolidation.

Once you're given the green light, we will run the necessary credit check, verify all your information and make you an offer. The application process does not vary for different loans. Apply for a loan online today.

Post Office – Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate from 4.4%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years
  • Decision 48 hours

Benefits of Post Office

  • All our fees are transparent
  • Apply online and get an instant decision
  • Low interest rates
  • Reliable debt consolidation loans

Get an affordable debt consolidation loan from Post Office Money

Post Office Money can help you find an incredibly affordable debt consolidation loan that ranges from £1,000 to £25,000.

Our loans are suited for consolidating a number of smaller unsecured debts. You can select a repayment term that ranges from 12 months to 7 years and you’ll always know how much you have to repay each month because the monthly repayments are fixed. To get an idea of how much a loan will cost you please visit our website and make use of our loan calculator sliders.

Help to consolidate your debts

A debt consolidation loan is one big loan that can be taken out to repay many other smaller debts and you just pay one regularly scheduled payment instead of many smaller ones. This can help you decrease collective interest rates and pay less every month.

Why use Post Office money

Post Office Money is a registered credit broker and a financial services partner of the Bank of Ireland and not a direct lender. Applying through Post Office Money is beneficial in that we are much more likely to get your quick cash approved than our financial services partner the Bank of Ireland. We provide many support services to help you through the loan application process in the form of both a webchat service and a friendly call centre.

Top features of Post Office Money’s loans

  • Select a debt consolidation loan amount ranging from £1,000 to £25,000
  • All debt consolidation 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 debt consolidation loan

Basic eligibility requirements

  • Be a UK resident
  • Be aged 21 or over but be 70 years or below at the end of your loan term
  • Have an annual income of £12,000
  • Have an active UK bank account
  • Have no history of bankruptcy, IVA’s or CCJ’s (Please note that as part of the application process we will run a credit check)
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Post Office is a trusted & reliable provider of debt consolidation

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 UK: FSA 630318

Customer Reviews & Testimonials

August 2019

I didn’t think it possible to find a company that was so willing to help me get a loan to pay off my debt and help me do it they are the best.

Tony B
— Essex —

November 2019

The service within the company is great and I couldn’t be happier to recommend them to anyone that needs help.

Jane L
— Christchurch —

February 2019

They have taken the time to reassure me that they will be able to help me get my debt all in order so that I can become financially stable and I couldn’t be more grateful

Glen T
— Surrey —

Post Office Contact

Physical Address

Opening Hours

  • Monday 07:30 – 19:30
  • Tuesday 07:30 – 19:30
  • Wednesday 07:30 – 19:30
  • Thursday 07:30 – 19:30
  • Friday 07:30 – 19:30
  • Saturday – Closed
  • Sunday – Closed