Rating based on 51 reviews

Post Office Money


  • Personal loans up to £25,000
  • Low-interest starting from 3%
  • Repayment up to 7 years

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Post Office Money homepage

Author Post Office Money. Screenshot of Post Office Money website. [Accessed September 7, 2021]

About Post Office Money

We are a commercial business driven by a social purpose and we have had a key role in UK life for centuries.

The Post Office has over 11,500 branches across the UK and of these are run on an agency or franchise basis by retail partners. We are the biggest retail network in the UK along with the substantial online business.

The Post Office role

At Post Office, we evolve and adapt to meet the ever-changing demands of customers. Over the past few years, we created an exciting modernization and investment program which resulted in over 200 communities to have a brand-new Post-Office branch.

Services offered at the Post Office

At the Post Office, you can get over 170 different products and services, including savings, loans, insurance, mortgages and credit cards, foreign currency; travel insurance; Local Collect government services; broadband and home phone, Drop and Go mail services and much more. We also offer Everyday Banking services which mean customers can access their High St bank account at their local Post Office branch including withdrawals, deposits, change, cheques and balance inquiries.

We are more than just a Post Office

As much as we are a commercial business, we are also driven by our social purpose. For many people in the communities, a Post Office is an important source of their customers’ social interaction as well as providing important access to their essential needs.

Post Office Money Services

Post Offices services are easily accessible.

Some of the Post office services are done online while some of them you should visit our offices. When you apply for our services online, you will be also allowed to sign your document online (e-signing).

Post Office personal loan

With the personal loan from the Post Office, you can borrow from £1,000 to £25,000 with a 3.1%  fixed APR Representative. The loan term can be between 1 year to 7 years, depending on the amount borrowed. We get back to you instantly when you apply for our loan. And once you are approved, your funds could be transferred the following day.

Manage your loan

Monthly repayments are made by direct debit unless you decide otherwise. After you have made your first payment, we give you a chance to change your repayment date if you are not comfortable with the one you have. However, date changes are limited to one per calendar year.

When do you start repaying a loan?

You should make your first repayment on the next month from the date the loan is released to you. In a case whereby the repayment date falls on a weekend or holiday, the repayment should be made on the next working day.

When you settle your agreement early in full or in part, at any time we will charge you up to 58 days' interest. Most importantly you should request a settlement quotation from us before settling your loan.

Post Office Money – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 3%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years

Benefits of Post Office Money

  • Check your eligibility without affecting your credit score
  • Instant decisions on loan applications
  • Quick loan payout
  • Overpay your loan without the added cost

Personal 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.

Apply for your amazing Post Office loan deal

Post Office is easily accessible. 93% of adults live within 1 mile of a Post Office branch.

When you use a Post Office, you reduce fraud through identity verification, improve the quality and accuracy of applications and reduce paper handling. When you visit a Post office branch, you can do a lot of services at once like paying for your bill as well as applying for a loan.

We do a credit check before considering your application

When you take a loan at the Post Office, we will perform a credit check before granting you the loan. A credit check will help us determine your suitability to receive the loan you need and if ever you will manage the instalments.

Due to different circumstances, some people intend to change minds just after they are approved for the loan. When your knees become weak about taking a Post Office loan just after you have received your acceptance letter, you can give us a call within 14 days.

How to apply for Post Office loan

When you need a Post Office loan, you can simply visit one of our branches to apply. Post Office branches are all over the UK and are easily accessible. Your loan application form will not even consume 15 minutes of your time.

Other ways of getting hold of the Post Office

When you are lazy to visit a Post Office you can give us a call during weekdays. Or rather join us on Facebook, Twitter, and YouTube. We use social media to chat with our customers and tell them what they can expect from the Post Office.

man holding thumbs up

Post Office Money is a trusted & reliable provider of personal 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 the UK; FCA number 630318

Customer Reviews & Testimonials

July 2019

The services offered at the Post Office are so convenient. You can do a lot of things at once

Jerry G
— Manchester —

November 2019

The Post Office staff is so energetic and hard-working

Lucia T
— London —

Post Office Money Contact

Contact Number


  • not available


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