Rating based on 60 reviews

Post Office


  • Same-day loans 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 March 16, 2020]

About Post Office

Post Office Money is committed to providing clients with affordable and convenient financial services and products.

We offer a wide range of products including fixed and tracker rate mortgages, purchase and balance transfer credit cards, travel currency, current accounts and same-day micro-loans among many others.

Our range of products and services

Our devoted and experienced advisors educate clients about our range of products and services including options available to them, refinance alternatives and provide help with applications. We aim to provide you with cutting-edge financial and banking services while maintaining a personal and mutually beneficial customer service relationship with you - and that's why Post Office Money is truly unique among UK mainstream lenders.

Quick and convenient borrowing

If you're looking to access short-term credit in the form of either a personal loan or credit card, Post Office Money offers a wide range of helpful information on our online platform. You can learn about our product range, apply for a loan, manage your accounts and contact us online - we're here to help you achieve the financial balance and success that you deserve. In the event that an issue emerges with a client's application or accounts, we will work tirelessly to resolve the problems and ensure you're satisfied.

Post Office Services

Our quick personal loans are the most convenient form of credit since they provide access to cash in incredibly short spaces of time.

Whether you're looking to pay off overdue bills or pay for urgent motor vehicle repairs - Post Office Money's range of short-term credit products is optimally designed to take care of the necessary.

Fixed-interest rate personal loans

Post Office has helped numerous UK Residents achieve their personal objectives through our basic, dependable and affordable financial and banking products and services. Our fast personal loans are secure, moderate and provide you with the opportunity to do what you need in a quick and convenient time frame. With an interest rate that is settled for the life of the loan, a quick personal loan from Post Office gives you a chance to make the most of today without sacrificing your future income.

Unbelievably low rates and convenient  terms

With a Representative 4.4%, APR - Post Office Money's interest rates are amongst the most competitive in the market. This ensures that you can get your hands on the same-day cash that you need without having to pay unfair interest rates or other hidden fees. If you're looking to consolidate your debts before they get out of control, we can provide you with a debt consolidation loan that can reduce your overall interest payments and make your debts more manageable.

Post Office – Same-day loan

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

Benefits of Post Office

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

Same-day 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.

Access affordable micro-finance from Post Office Money

Post Office Money can help you access an incredibly affordable quick personal loan that ranges from £1,000 to £25,000.

Our quick loans are suited for a variety of different uses including purchasing a car, paying for a wedding or holiday and even consolidating 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 quick loans will cost you please visit our website and make use of our loan calculator sliders.

Post Office Money's eligibility criteria

In order to apply for a fast cash loan with Post Office Money you must:

  • 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)

Why Post Office money is UK's leading lender

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 you approved for a quick personal loan than our financial services partner the Bank of Ireland. We provide a lot of 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 same-day cash loan amount ranging from £1,000 to £25,000
  • All micro-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 quick loans Basic Eligibility
man holding thumbs up

Post Office is a trusted & reliable provider of same-day loans

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 the UK; FCA number 630318

Customer Reviews & Testimonials

September 2019

Post Office’s customer service exceeded my expectations in a very good way.

Emma L
— Lancaster —

March 2019

I really liked their fast checker tool which allowed me to find out if I could be accepted for a same day loan without making a formal application and putting my credit score at risk. It’s easy t...

Like J
— Birmingham —

September 2019

I was stressed for money and Post Office proved to be very helpful. They provided me with a same day loan which meant that I could sort out my bills on time.

Elliot Y
— Wakefield —

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