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

Post Office Money is a commercial business that is driven by social purpose and has formed part of a key role in UK life for centuries.

They have over 11,500 branches across the UK and some of these are run on an agency or franchise basis, which goes by their retail partners. They are the biggest retail network in the UK along with their large online business.

Purpose of the Post Office Money

At Post Office Money, they grow and adjust to meet the ever-changing demands of their customers. Over the past few years, they have created an exciting modernization and investment program which allowed over 200 communities to have a brand-new Post-Office branch.

Friendly customer services

At Post Office Money, you can get over 170 different products and services, including savings, loans, insurance, mortgages, and credit cards. It also includes foreign currency; travel insurance; Local Collect government services; broadband and home phone, Drop and Go mail services and so much more.

They 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.

Providing essential needs

As much as the Post Office is part of a commercial business, they are also driven by their 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 certain services are provided in their offices. When you apply for their services online, you will also receive access to sign your documents 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. You can choose a loan term for between 1 year to 7 years, which depends on the amount that you want to borrow.

Post Office Money will get back to you shortly after you have applied for your loan. Once you are approved, your funds will be transferred the following day.

Be in control of your loan

Monthly repayments are made by direct debit unless you decide otherwise. After you have made your first payment, Post Office Money will then give you a chance to change your repayment date to a date that will suit you best. However, date changes are limited to one per calendar year.

Repayments schedules

Your first repayment should be made during the next month, on the day whereby you received your loan. If the repayment date falls on a weekend or holiday, the repayment should be made on the next working day.

When you settle your repayment agreement earlier than agreed upon, you will be charged for up to 58 days of interest. Most importantly you should request a settlement quotation from Post Office Money before finalizing 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 quick loans calculator is subject to our terms of use.

Apply for your amazing Post Office loan deal

The Post Office is easily accessible as 93% of the population live within 1 mile of the Post Office branches.

When you make use of the Post Office, you are partaking in reducing fraud through identity verification, as well as improving the quality and accuracy of applications which includes the reduction of paper handling. When you visit a Post office branch, you can do a lot more at once, for instance paying your bills as well as applying for a loan.

Credit check procedures

When you take a loan at the Post Office, they will perform a credit check before granting you the loan. It will help them determine your expediency to obtain the loan you need and if you will be able to manage the installments.

Due to different situations, people intend to change their minds just after they get approved for the loan. When you are having doubts about a Post Office loan, you can give them a call within 14 days.

Applying for a personal loan

When you need a Post Office loan, you can simply visit one of their local branches to apply. Post Office branches are all over the UK and are easy to find. It will only take you about 15 minutes to complete the application form.

You can also give them a call during weekdays or join their Facebook, Twitter, and YouTube pages. The Post Office Money also makes use of social media to chat with their customers to inform them regarding important aspects of 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 UK: FSA 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