Post Office Personal Loan
Full product details for the Post Office Personal Loan, including loan details, application criteria, rates, suitability, fee & charges, example costs, facilities, restrictions and incentives.
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Post Office Personal Loan Features & Benefits
| Representative Example | The representative APR is 7.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 7.4% p.a. (fixed) you will repay £240.21 per month & £11,530.08 in total. | |
| Loan Type | Unsecured | |
| Minimum Loan | £2,000 | The minimum advance is £2000. |
| Maximum Loan | £25,000 | The maximum advance is £25000. |
| Minimum Loan Term | 1 year | The minimum loan term is 12 months. |
| Maximum Loan Term | 7 years | The maximum loan term is 84 months. |
| Headline Representative APR | 7.4% | 7.4 |
| Headline Representative Loan Amount | £7,500 to £14,999 | |
| Early Repayment Charge | 0 month | No ERC |
| Deferred Start | 1 month | 1 months |
| Debt Consolidation | yes | Debt consolidation allowed. |
| Express Delivery | no | Express delivery/transfer not available. |
| Credit Rating | good | Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of applicants can be described as having a good credit rating. |
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Compare Post Office Personal Loan With These Loans
Nationwide Personal Loan (Existing Customers)
- The loan offers a £0 arrangement fee.
- Maximum loan of £25,000 is offered to applicants.
- Benefit from initial representative APR of 7.2%.
- Deferred start of 1 month is available to customers.
- Representative Example: The representative APR is 6.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.3% p.a. (fixed) you will repay £235.42 per month & £11,300.16 in total.
Northern Bank Personal Loan
- Customers get 1 month deferred start from this loan.
- £10,000 to £25,000 promotional representative loan amount is available with Personal Loan.
- Get £25,000 max loan.
- Minimum loan of £1,000 is available to you.
- This Personal Loan has a 1 year minimum loan length.
- Benefit from a minimum arrangement fee of £0 from this loan.
- Representative Example: The representative APR is 9.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 9.9% p.a. (fixed) you will repay £248.93 per month & £11,948.64 in total.
Smile Personal Loan
- Arrangement fee of 0 percent is offered.
- Minimum loan period of 1 year.
- Get a first payment due of 30 days from this Personal Loan.
- You take advantage of 7.9% headline representative APR.
- New customers can get minimum arrangement fee of £0.
- You can take advantage of maximum arrangement fee of £0.
- Representative Example: The representative APR is 7.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 7.9% p.a. (fixed) you will repay £243.73 per month & £11,699.04 in total.
Ulster Bank Loan
- The Loan has a minimum arrangement fee of £0.
- New customers will get minimum loan of £1,000.
- Have the benefit of a max loan term of 5 yrs.
- Get a promotional representative APR of 9.8% from this Loan.
- Representative Example: The representative APR is 9.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 9.8% p.a. (fixed) you will repay £250.63 per month & £12,030.24 in total.
Provident Personal Credit Provident Loan (Cash)
- Have the benefit of 0% arrangement fee from Provident Personal Credit.
- Provident Personal Credit offers deferred start of 1 month.
- New customers will benefit from max arrangement fee of £0.
- Get a minimum loan of £50 from this Provident Loan (Cash).
- A minimum loan duration of 6 months is available from Provident Personal Credit.
- Representative Example: The representative APR is 272.2% (fixed) at a rate of 272.2% p.a. (fixed)
Oakam Bonus Loan
- You get £200 minimum loan from Oakam.
- You get £2,501 to £3,000 initial representative loan amount from Oakam.
- Promotional representative APR of 76.9 percent is available to applicants.
- Get a minimum loan term of 6 months from this Bonus Loan.
- 1 month deferred start is available.
- Representative Example: The representative APR is 338.2% (fixed) so if you borrow £5,000 over 2 years at a rate of 338.2% p.a. (fixed) you will repay £691.12 per month & £16,586.88 in total. Arrangement fee £35,
Zopa Young (20-25)
- Get a deferred start of 1 month.
- 5 yrs max loan term is available with Young (20-25).
- £1,000 to £1,099 headline representative loan amount is available with this loan.
- This loan gives a minimum loan of £1,000.
- This loan offers a minimum loan length of 3 years.
- Representative Example: The representative APR is 10.77% (fixed) so if you borrow £10,000 over 4 years at a rate of 10.77% p.a. (fixed)Arrangement fee £190,
