Rating based on 60 reviews

Post Office Loans


  • Payday loans up to £25,000
  • Low-interest starting from 4.4%
  • Repayment up to 7 years

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Post Office Loans homepage

Author Post Office Loans. Screenshot of Post Office Loans website. [Accessed September 8, 2021]

About Post Office Loans

Post Office offers UK residents a comprehensive list of financial products.

This includes; personal loans, credit cards and home loans among many others. We are one of the UK's leading financial services providers and offer you the most affordable rates and fee structures available.

Our payday loan alternatives

We do not offer payday loans, however, we have a selection of credit card and overdraft facilities available that can easily accommodate any cash emergency. Our customers also have the option of applying for a short term personal loan that can be used to purchase a new car, pay overdue bills, make necessary household repairs and alterations and even give you and your family the travel money you need to go on vacation.

Top-notch security and latest technologies

Post Office is a leading service provider and employs only the latest and most effective security technology to ensure that your data and online transactions are always secure.

Cracking down on the uncompliant lenders

To people who are desperately looking for an instant cash loan - payday lenders and loan sharks may seem like the quickest and most convenient options but, they will certainly do more damage than good with their high-interest rates and hidden fees. Gone are the times of loan sharks; new credit regulations have removed the uncompliant lenders and made the internet a safer place.

Post Office Loans Services

Post Office offers customers a variety of banking and financial services including small personal loans and 0% interest credit cards but, we do not offer payday loans.

Post Office's Personal loans are given by Bank of Ireland Personal Finance Limited which is one of the UK's largest and most successful banking institutes. This enables us to offer our clients the lowest rates in the country and therefore the most competitive products.

We take account of your individual needs

We understand that everybody has distinctive financial needs so we offer a mixture of loan choices that are composed on account of your individual needs.

If you're looking for short term credit than you can choose from a variety of credit cards and overdrafts or apply for a personal loan that is flexible enough to meet all you need no matter how big or small they may seem. Visit us in the branch, contact us by telephone or send us an email to find out how we can help you!

Be wary of payday loans

Payday Loans and Cash Advances can be utilized as a short-term help to get you to your next payday however, they carry the highest interest and fees that will usually land you up in more trouble.

If you're looking for a way to consolidate debts than we can help with our convenient secured debt consolidation loans.

Visit one of our branches today and discover a loan that works best for you.

Post Office Loans – Payday loan

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

Benefits of Post Office Loans

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

Payday 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 Online loan calculator is subject to our terms of use.

Get an affordable alternative to a payday loan from Post Office Money

Post Office Money offers an incredibly affordable alternative in the form of a personal loan that ranges from £1,000 to £25,000.

Most people have come across the notorious payday loan which promises to offer you a fast and effective way to get a short term loan, however, these loans are a very expensive form of credit that carry absorbent interest rates and fees.

Get a personal loan from Post Office Money

Many people take out payday loans because they can be taken out and credited so fast but traditional and alternative lenders such as ourselves offer a turnaround time that rivals our competitors. You can apply online and receive an instant decision just as you would from a payday lender. 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.

Why use Post Office money

Applying through Post Office Money is beneficial in that we are much more likely to get you personal loan approved than our financial services partner the Bank of Ireland and the criteria are less stringent, however, you can still get the same competitive rates. With great turnaround times and competitive rates, we offer an alternative that you can’t refuse. We also provide a lot of support services to help you through the short term loan application process in the form of both a webchat service and a friendly call centre.

Top features of Post Office Money’s personal loans

  • Select a personal loan amount ranging from £1,000 to £25,000
  • All personal loans are provided by the Bank of Ireland at competitive rates
  • 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 personal loan
man holding thumbs up

Post Office Loans is a trusted & reliable provider of payday loans

In our review, Post Office Loans 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 Loans is a registered credit provider in the UK; FCA number 630318

Customer Reviews & Testimonials

May 2019

The great thing with them is you can check your credit score before you apply so that you will know if you can or can’t. That is a brilliant idea.

Lenny B
— Christchurch —

July 2019

I got my pay day loan and I am very happy to say that the service is great.

Mandy S
— England —

Post Office Loans Contact

Physical Address

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

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