Post Office

Post Office – Loans Bad Credit
image of Post Office
image of Post Office

About – Post Office

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.

We put you first

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!

Loans for businesses

Post Office take 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.

Don't wait - apply for credit with Post Office Money today! 

Services – Post Office

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

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

We don't 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 sameday 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. 

Summary of Services

  • Credit Card
  • Quick Personal Loans
  • Online Debt Consolidation Loan
  • Payday Loans Online
  • Bad Credit Loans

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.

Contact Details

Bow Bells House, 1 Bread Street
Greater London
United Kingdom

Phone: 0845607 6500 / 0345 611 2970

Fax: 0345722 3355


Opening Hours

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