Post Office

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The Post Office (Postoffice.co.uk) might not be the first place you think about when you consider taking out a loan, but the institution has moved away from its traditional focus on mail towards an expanded product range. One of the best things to come out of this has been the Post Office’s loans which offer a more flexible approach than many high street banks.

While personal loans were once the preserve of those in well paid jobs, the Post Office will lend to anyone earning £8000 or more per year, provided they’ve been a UK resident for the past three years. This is a substantially lower minimum salary than most lenders, and means that even those with part time jobs are eligible for Post Office loans.

Loans are offered on amounts from £2000 to £25,000 for a term between one and seven years. Interest rates are fixed, so you won’t be hit by sudden hikes from the Bank of England. The representative APR of just 7.4% is available for loans between £7500 and £14,999. While those borrowing between £5000 and £7,499, and those borrowing £15,000 or more, will typically see rates of 8.4%. For amounts between £2000 and £4,999 the representative APR is 14.9%.

Decisions are made online and are typically instant, although it can occasionally take up to four working days. After your instant decision you will be sent documentation in the post which you can then fill in and return. This will then be checked, and pending a final decision the money will be deposited into your bank account.

One of the best features of the Post Office loans is the ability to take repayment holidays. You can select payment holiday months while applying for a loan, for instance in order to have a bit more money at Christmas or for summer holidays. It is also possible to pay off your loan early, but this is subject to an early repayment fee.

259 Reviews of Post Office

My friends couldn't believe I'd been offered a loan. Some questioned whether I'd been conned into taking out a payday loan, but I'm not that daft. It was somewhat of a shock to me too that I'd been approved. I've been working only part time after my daughters dad died. The nursing home work is quite well paid, but given it's only part time I only just make five figures each year. My daughters are getting towards the age where I could go back full time, so things should improve for me before too long anyway - but then disaster struck.My youngest one decided to bake while I was at work and ended up burning the kitchen down. Thankfully the fire brigade saved the house, but as I didn't have insurance I was left without any means of cooking. Things were desperate, and the idea of just cooking microwave meals didn't appeal. The Post Office loan allowed me to get a new kitchen and has saved me money that otherwise would have gone on expensive ready meals.The money arrived quickly, although it did take about two weeks. The interest rate was a bit higher than advertised, but given my circumstances I expected this. The repayments are manageable and hopefully after I'm able to go full time again I can pay the loan off early and save myself some money.I was a bit surprised that I couldn't apply in branch, but the queues are always so long at Post Office's anyway that online is probably better. I set up a repayment holiday for Christmas each year so I can put some money aside from present shopping, as well as in August so I could take advantage of the summer sales to buy a few presents for my daughters ahead of the festive season.Overall I'm very happy so far, and I've even forgiven my daughter for burning the kitchen down - although she's now banned from baking!

Review posted by Charlotte Jennings

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The Post Office is a great place to get a loan from. I live really close to one and see their leaflets every day, so I thought I would try them first. They also always go on about being the people’s post office and so I thought that as it was the first time I’d tried for a loan, I’d give them a try- the woman on the desk had always been really nice to me. I just wanted the money for a better car that wasn’t breaking down all the time, so in I went, and it couldn’t have been easier. The procedure was simple- the woman at the Post Office explained everything to me; I went home, did exactly what she said online and was approved immediately. As I’m on a low income, I was worried that I wasn’t going to earn enough to get the amount I wanted but I did! I sent off the forms and get the money in my account really quickly. No hassle. One of the best features for me is that you can, if you get in trouble financially, take a ‘holiday’ from the repayments. So, if I’m a bit short around Christmas, I can arrange not to pay the loan that month. I can also repay it early if I want but I can’t see that happening! All in all, I can’t recommend them highly enough.

Review posted by Ethan Preston

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Not many people think about taking out personal loans from the Post Office, but you will be pleasantly surprised to see that they actually offer some very competitive deals in the personal loans category! I was rather shocked when I found out that you can get anything from £2000 to £25,000 and repay the amount over 1-7 years at an interest rate of less than 7.5%, depending on the amount you need.I am a single mom, a struggling one, who wants to make a better life for my children. I am sure that all you other single mommies understand where I am coming from? Anyway, I do not have a home or car of my own, but I do earn more than £8000 per year, so I did not see why I should not give it a try. My plan was to start my own home business, a small business, but my own! I did not have any desire to work for a boss for any longer than I had to do.The people at the Post Office were very helpful and they understood my situation, which I was super glad about. I asked them so many questions regarding the loan I wanted to take out and they answered every single question I had. I was very impressed with the advice and service that I got when I visited them!Although the Post Office may not be the best option for everyone, they served my needs and the needs of my two children perfectly. I commend the personnel who work there, they are hard-working and I am pretty sure that some of them are in more or less the same position as I am!

Review posted by Skye Ahmed

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The post office has a very high representative APR of 7.4% however a loan from them makes up for the extra amount that you have to repay in many other ways. The loans are extremely easy to get hold of and are therefore perfect for those people who may have a poor credit rating or who have simply never has a credit card.The loans are extremely flexible and even offer things like repayment holidays, where you don't have to pay for a few months where your expenses may be higher than in others. A loan from them ranges from £2,000 to £25,000 which is competitive and similar to many other company's. The repayment period is anywhere from 12 to 84 months, which is typically higher than many other lenders.The online system could not be easier to navigate and an approval for your loan is normally instant. A great feature is that your income only has to be £8,000 or more, which is often half of what other company's will expect.

Review posted by Ella Page

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I picked up a leaflet about personal loans when I was in the Post Office a few weeks back as I needed some additional cash to put towards a caravan I am buying.I applied for the Post Office personal loan online this week and found the whole process very streamlined. I particularly liked the budget planner tool that was available within the loan application. It made me understand how my monthly outgoings will be affected by this loan.I am on a small fixed income of less than £9,000 per annum and I knew it would be difficult for me to access a loan at low interest rates because of my income. The Post Office loans are financed through Bank of Ireland and the minimum income requirement is £8,000 per annum, so I just qualified.I was really happy to learn my loan application was approved. I do have a good credit record and hoped I would find a loan somewhere but the Post Office loan is based on an interest rate of 7.4%APR so I feel I have a great deal.As a pensioner, it is sometimes difficult to access mainstream financial services but the Post Office really came through on this loan application and I'm really grateful. I'm looking forward to several years of holidays in my new caravan.

Review posted by Isobel Howells

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The Post Office interestingly offer loans of £2,000 to £25,000, which have a 7.4% APR representative rate attached. The interest rate offered is one of the higher in the lending sphere, but loans can be taken out over a period of 12 months to 84 months. The option of taken the loan over a longer period may be influential for customers who are looking to take out a longer term commitment. If a loan of £7,500 were taken out over a period of 48 months, then monthly repayments would be £180.22 and the total amount payable would be £8650.56. However, the APR representative rate on this loan would drop to 7.2% so there are small advantages for customers who decide to take out larger loans. The Post Office rely mainly on online advertisement to forefront their loan offers, but they do seem to be lacking somewhat when displaying their lending prowess on other platforms. Furthermore, the high 7.4% interest rate may be the main dissuading factor for customers when deciding to take out a loan. If the Post Office want to compete in a highly competitive market, then they should consider lowering their interest rate and creating a marketing campaign that targets a certain demographic. Nevertheless, Post Office branches are relatively easy to access and some customers prefer going into branch to see a friendly face, rather then dealing with details online.

Review posted by Harry Kerr

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When I wanted a new car, thinking of the Post Office to apply for a loan didn't even occur to me. I do have a savings account with them, but you automatically think of the big banks when you go for a loan.I used a comparison website, and when I saw the Post office I remembered how quickly and efficiently they set up my savings account. I have made a couple of late payments in the past, so I wasn't sure if I would be accepted. I applied online which was great as when I saw it I had visions of being in the Post Office for hours on end. The money took about two weeks to arrive, but once it did get to me the advisor called me to ensure I was aware it was there.The repayments are really affordable for me, and the customer service seems to be much better on the finance side of things than it is when you go in store to send a parcel!

Review posted by Kyle Ali

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We haven’t had a vacation in years because it’s so hard to afford anything, but we have been saving for a while now and decided that we couldn’t wait until the rest of the money came in, because of problems at work with scheduling. We didn’t want to wait another year for a chance! We spoke to the Post Office and they said that our income is just over the threshold to get a loan so everything is okay. All the other providers refused us flat out!They had a higher rate than most banks, but this is the only thing we could get and we are planning to pay them back in 6 months anyway. They gave us a loan for £3,000 for 2 years. They also assured us that if there were problems in paying, or if we wanted to take out a few months in the year (such as around Christmastime), then they can waive the loan payments for those months. We’re going to Cyprus with the four kids.They are really flexible and nice to low-income families! I would recommend them to all my friends who were saving up for a vacation or something else nice. They are great to help out the small person!

Review posted by Laura Lane

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My wife and I had planned to have a summer vacation in Turkey as part of celebrations for our fifth wedding anniversary. Everything seemed to be going according to plan until my wife was suddenly laid off from work. This put a lot of financial strain on me as I became the sole bread-winner in the house. However, regardless of our difficult financial situation, we could not put off our Turkey vacation. It was all we dreamt of for almost three years. I had to find another way of funding the vacation since our savings alone were not enough. Taking a personal loan seemed to be the only remaining viable option for us. Unfortunately, my credit score was very low. I, therefore, feared my bank could not give me the loan. True enough, when I made an application asking for a personal, it rejected. It was after this rejection that a friend recommended me to Post Office Bank. I didn't expect it to be any different from my bank. However, I held a glimmer of hope that they might give me a positive response. I tried applying in their local branch but was discouraged by their long queues. It was then that I decided to make the application online. It was very fast. Much to my surprise and excitement, I was informed my application had succeeded. The only bad thing was that I was going to be charged a higher interest rate than was advertised. However, given my poor credit score, this was expected. Their monthly repayments were also low enough for my comfort.Now that my wife has a new job, I am sure we shall manage the repayments even more comfortably. Needless to say we had a successful vacation in Istanbul, Turkey, over the summer thanks to Post Office Bank's personal loan.

Review posted by Imogen Potts

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Post office has been issuing personal loans over the years to stay profitable after the slump of mail due to new technologies such as email. Their loan is technically for any UK resident who is above 18 years old. Anyone who can make a living in the UK is eligible for this loan, as it only requires earnings of £8000 and above in a year which translates to only £22 average daily earning. It is basically a finance facility to anyone who is not eligible to the high requirements of the regular banks loans. Those in part-time jobs perfectly fall within this category. If you have been living in the UK for the last 3 years, continue reading.You can apply for a loan of £2,000 to £25,000, which is payable between 1 to 7 years. The loans come at a fixed rate throughout the payment period, safeguarding you from inflation effect on rates. There are categories in the loans which determine the APR you will get. Borrowing between £7,500 and £14,999 attracts 7.4% APR, £5,000 to £7,499 and £15,000 to £25,000 attract rate of 8.4%, while APR of 14.9% is payable for amounts between £2,000 to £4,999.All the application process of this loan is online and is typically instant, but rarely takes up to 4 business days. Documents for filling are then sent to you by post and once you are done filling them, if approved, the money is immediately deposited in your bank account. This loan comes with the advantage of payment holiday which you fill in your application process. It also has the option of early pay off, but at a small fee.

Review posted by Tom Sanders

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After up-sizing our house due to a new arrival in the family, we were short on furniture. Our new home looked a little bare and we expected to need a lot more storage. We decided to spread the cost over a few years and fully deck-out the house. We considered putting it on a credit card and juggling the interest free options, but with a new child to take up our time, we didn't want the hassle.We decided on a post office loan as they offered favourable rates within the terms that we required. We couldn't get the advertised rate from any of the lenders, they all had fairly specific criteria on how to achieve them. We were happy enough with the post office rate though and we were approved instantly online. The costs are negligible really, it’s just like any other hire-purchase agreement or phone contract. We are happy with the rates and they are exactly what we were told they would be.The experience has been as good as it could be given the nature of the product. We have been dealt with in a professional and efficient manner and we got what we needed out of the deal. In my limited experience, I would say that this has been a good deal and I would use the same service again if the need arose.

Review posted by Luke Peters

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In the past I'd heard positive things from friends and family who've held Post Office credit cards and loans, but until now I've never looked into them before. I hadn't planned to apply for a personal loan, but due to unforeseen circumstances I had no choice but to get one, what I did have a choice in though was finding the best deal for me. As this was the case the main factor in deciding to go with a Post Office personal loan was the maximum loan term of 84 months, I hadn't factored repayments into my finances at this stage, so having as long as possible to spread those payments really helps with my current financial situation.The APR was much higher than the other loans I had looked into however they didn't have the maximum loan term I was looking for, so I did expect to be paying a higher rate of interest. After finding the terms set out more than acceptable I went through the online application process which was a doddle!All in all I'm very happy with the deal I got from the Post Office, it's given me financial flexibility at a time I've needed it and more importantly it's managed to meet my exact needs

Review posted by Gabriel Mistry

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Post Office offers loans at interest rates that are on the higher end of the spectrum. Loans can be used for any purpose, including buying a new car or making repairs to your home. They also make loans available to people who have not been residents of the UK all their lives. Post Office Financing is supported by good customer service and you are eligible to apply even if you have only been a UK resident for 3 years. Loans start at £2,000 and go up to £25,000. Once you apply, a Post Office is processed and approved quickly so you can get the money that you need. All monthly payments are fixed so you never get any surprises in terms of the amount that you are expected to pay each month. Post Office loans are expensive at a rate of 7.4% APR. In addition to that you are not allowed to borrow less than £1,000. With Post Office, you have one of the best repayment terms and can get up to seven years to repay your loan. Customers also get good service with this financial institution. For their service, speedy approval, flexibility and terms, a Post Office personal loan is recommended.

Review posted by Max Grant

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I couldn't believe how easy it was to apply for a successful loan application at the Post Office. At first I was a little dubious about applying for a personal loan with the Post Office as I was sure their rates we're going to be higher than what high street banks would offer, but to my surprise, their rates were indeed very competitive. The main thing that attracted me to a Post Office personal loan was the fact several of my friends had previously applied and was happy with the the term of the loan and the rate which was applied. Not to mention that the application process was extremely easy, as was having access to the money really quickly. I personally applied on the internet, although I could have just as easily walked into my local post office to apply also. I didn't get the exact same rate which was advertised but I still managed to get a rate of 7.8% APR. As this was also my first personal loan I was surprised to find out that I could use the money for more than one thing, and that I didn't have to exactly list a particular reason for doing so. Overall I was extremely happy with the service and would sincerely recommend applying for a personal loan at the Post Office to anyone wishing to find a bit of extra cash for whatever they need to use it on.

Review posted by Harriet Duncan

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Post Office are possibly one of the UK's oldest financial institutions, and not for nothing. All of their services, whether financial or domestic, come in high on satisfaction surveys across the board. Their APR on personal loans is not the most competitive, and has been known to increase or decrease based on your circumstances, but in return for an ever so slightly higher repayment (we're talking no more than a few pounds a month!) there is a maximum repayment term of an amazing 7 years. This potentially means much lower repayments over the long term, which is perfect for a first time borrower, or someone needing a high amount of money for something such as home repairs. Post Office have also been praised for being one of the more accommodating lenders, able to loan up to £25,000 where other institutions Iincluding the borrowers' own banks!) have said no. The facility to borrow is only available online, but this makes the process remarkably simple, and allows you to log in and see everything at a glance, laid out in easy to understand language that's free of jargon or baffling figures. Unique to Post Office is their facility to make a number of 'payment holidays' during the life of the loan, in order to save for something else, or make it through months where you experience a shortfall. This doesn't affect your credit rating, and means no headaches if times are hard. If you don't mind waiting for up to two weeks for the money, the payoff with Post Office can be well worth the wait, as they offer a great level of service seldom seen on the high street.

Review posted by Elizabeth Hughes

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ost office personal loan facility is one of the best in this country. Their APR of 7.4 is relatively higher, but that is what I expect with my bad credit history. However, the repayment terms are flexible. Repayment period ranges from 1 year to 7 years.Moreover, the bank does not place any limitation on what I can do with my money. This means I am in full control as nobody dictates to me how I will spend the money I borrowed from them. I can also set a repayment period that is very conducive for me.The application procedure is easy and simple. I applied for their loan online. I cannot go their branch because I know that people queue in their offices every day applying for a loan. For me, it is a waste of time since I can comfortably make the application online at my own comfort.After the online application, I got an instance response that my application was approved. The paperwork agreement arrived at my address a speed post, which I filled and returned to them. The whole process was completed in less than five days. That is to say that I made the application and received the money in my bank account within four business days.I borrowed from them more than once; I will say that I am comfortable with the high-end services they provide to me and their other customers. The customer care is perfect as it exceeds my expectation. I commend them for excellent online services. Their efficiency could be attributed to their knowledgeable, responsible, and well-educated workers. I have a high value for the money I borrowed from them.

Review posted by Brenna J. Clardy

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Who gets a loan from the post office? Me, and some others I guess after reading my review. This institution is on of UK's oldest and nowadays most modern loan providers. They used to be dusty but changed most of their activities to the field of financial services other than selling stamps.I have some serious and very positive experiences with Post Office. With the sudden illness of my mother I wasn't able to show up at work for two weeks which nearly costed me my job. Not the loan I had with the Post Office as they offer their customers the use of repayment holidays! Thanks to the Post Office I can continue to pay off my bills and my mother got well again, explaining my boss the reason of my sudden leave. He understood fully. Now I' back again, happily ever after. Thank you, Post Office!

Review posted by Robby Burton

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My first thought when I noticed how many people do have their personal loans with the Post Office was 'I didn't see that one coming.' My second reaction was 'how come?' I mean, I'm a client myself and so are my parents, my in-law family members, so the answer is obvious. The Post Office isn't just a bank nowadays, its a institution with capital letters.Funny it is also to see that once people have settled they never intend to change afterwards anymore, like a marriage it is. The reason for that is not clear to me but I'm like that too now I mention. Why should I change again?Up to now the only personal loan I ever took out with them was for engagement rings. Since then never anymore which doesn't mean that I would not if I had to. For me the application for the personal loan, as far as I can remember turned out to be easy, as well as the entire process which wasn't a big deal after all. It was a relaxed period of my life, other than now, and if I had to do it all over again it would be with the Post Office again.

Review posted by Peter McEnroe

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Just wanted to say thank goodness for Post Office loans. when I needed to borrow some money and I couldn't even get a loan with Tescos I really thought that was it. but my friend told me about the Post Office loans and helped me go online and check them out.When I realised I just might be able to get a loan with them it felt like a hole weight had been lifted of me. Once the loan had been approved I was walking on air because I was so happy.They have even let me take what they call a repayment holiday so that I am not going to struggle over the xmas period which I think is brilliant. so I just want to say a big thank you to the Post Office.

Review posted by Danni Pryce

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I like to keep my relationship with my bank as simple as possible which basically means I have a debit card and my salary gets paid into my account each month. That way I am in control of my finances and never go overdrawn as that would just complicate things.So when I needed to borrow some money to pay for a new bathroom suite I I wanted the most straight forward loan available and the Post Office was the one I opted for. It just seemed to appeal to my simplistic way of looking at things and when they mentioned the option to take a repayment holiday to ease the pressure over the Christmas period that just sold it for me.

Review posted by Sandra Cooper

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After having several refusals from other lenders and eventually taking out my first loan with the Post Office I don't think I would ever waste my time applying for a loan with any of the so called High Street banks or High Street stores again.I couldn't believe how easy and straight forward my Post Office loan application process was and I didn't feel intimidated by loads of legal jargon as everything was explained in easy to understand language.Not everyone has the confidence to deal with the big banks head on and so for people like that, including me, the Post Office is a great alternative.

Review posted by Joe Burridge

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I have never been a big fan of banks in general and as I've got older and more set in my ways that isn't likely to change. So when I need to borrow money I have been using the well known High Street stores even though I know that technically they are just another version of a bank. What I had failed to do every time I was looking for a loan was to consider the Post Office. But that has all changed since my friend at work told me how they had used them several times for loans, some of which were really large amounts and they wouldn't dream of using any other loan facility now.I have taken my friends advice and got my first loan with the Post Office and I could kick myself for missing something that had been under my nose all this time. Still better late than never!

Review posted by Keith Channing

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My mum works behind the counter at our local Post Office and when I told her I was thinking of getting a loan from my bank to pay for some home improvements she was horrified and said I should consider getting a loan from the Post Office first.To be honest I didn't even realise the Post Office did loans and certainly not for the sort of money I wanted to borrow. But my mum was right, as she usually is and I applied for a Post Office loan and was amazed at how great a deal I got from them and how quickly they dealt with my application. It pains me to say it but on this occasion my mum was 100% right.

Review posted by Savi Patel

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Through no real fault of my own I have never really been considered a suitable candidate for any type of loan. I have even struggled to get a one off payday loan sometimes. But that has changed dramatically since a friend introduced me to the Post Office loan facility. I didn't even realise the Post Office gave loans until my friend said they had just been given one. I asked them how that was possible as they weren't much better off than me when it came to credit history and earnings related borrowing.It would seem that the Post Office are far more understanding when it comes to judging people on their past financial history and their current earnings status. That is why I have just been approved for a personal loan with the Post Office which has made such a difference to my life that I just wanted to post this review to say thank you.

Review posted by Josie Sedgewick

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The only reason I have a bank account is because my employers insist on it for the purpose of paying my salary every month. I don't trust banks in general and the recent scandals involving some of the big High Street banks only confirms my opinion of them.But I am realistic enough to know that when I need to borrow a large amount of money I have to put my trust in some sort of financial institution. That is why the Post Office is such an important option for people like me. Of course, like any business, they need to be making a profit but it doesn't have to be based on giving exclusive loans that the ordinary working class person cannot have access to or take advantage of. Post Office loans are an important institution and long may they continue to offer their valuable service.

Review posted by Lance Cotter

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When my mum passed away recently she was virtually penniless. Having spent her final few years in a nursing home suffering from dementia there wasn't much left in the way of savings and she had never owned her own property.As her only surviving relative I was left with the responsibility of sorting out her affairs and funeral arrangements. To my dismay mum had made no plans for any of this before her dementia took hold and there was no insurance policy to cover the cost of the funeral.If it hadn't been for a loan from the Post Office I don't know what I would have done as my financial circumstances would not have allowed me to give her the decent respectful funeral that she deserved. So I would just like to say thank you to them for helping me out at one of the most stressful times of my life.

Review posted by Susan McM

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Apart from the mortgage on my first home I had never had a loan for anything. I didn't even buy stuff from catalogues, preferring to pay for things up front. But of course life has a funny way of turning your principles upside down and after being divorced for 10 years and nearing retirement I decided to take out my first loan as a single person so that I could fulfil a long held desire to go on a cruise along the River Nile.A close friend of mine told me to steer clear of the usual High Street bank loans and go for one of the less conventional loan offers and that is how I ended up with a personal loan from the Post Office. I can honestly say it was one of the best pieces of advice anyone has ever given me, apart from divorcing my ex, and I am happy to say I will be taking my cruise along the Nile next month with my close friend joining me all thanks to their advice and the Post Office loan.

Review posted by Rita Hill

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Right from when I got my first ever pay packet nearly 10 years ago I have been terrible at managing my money and I only managed to get by because I was still living with my parents and they were constantly bailing me out.But I have grown up a lot since I met my girlfriend last year and when I decided I was going to propose to her I wanted to have the ring ready to slip on her finger if she said yes.I had seen the ring I wanted to buy her but I was really struggling to get a loan to help me pay for it. My misspent youth and terrible credit history was coming back to haunt me.My mum was the one who came up with the suggestion of trying the Post Office for a loan and at first I thought she was joking but she turned out to be spot on and before I knew it I had the money for the ring and a new sense of financial responsibility which should set me up well for my future married life.

Review posted by Aaron Bennett

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So much for "simply" having to fill in an application and finding out within minutes if your application has been accepted or not. I filled out the application and "click" sent it, then at the end it said Error- we are unable to process your application at this time. So i then contacted their helpline and gave the call handler my reference number. Call handler then said we do not have your application. The reference number you provided me with is for a shared loan and can not give me any details. He also told me they were having issues with there computer systems for a few days. So i filled out another application after waiting 3 days. Then again after sending my application the outcome was the same error messages, same problem as before. Seriously.... I gave up using the Post office and was looking to apply else where. Around 1 week had passed since i had applied and i went to use local ATM and my balance was in the thousands. Turns out the application was accepted and after checking online banking and seeing the PO on my statement i called up for the 3rd time to final find out what was going on. My process was a mess but it all worked out in the end and i hope customer service took my feedback complaint on board for future.

Review posted by ChubbyChaser92

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I always changed my travel money at the Post office. They offer good rates and its less than 10 minuets from my house, its convenient.After a long talk with Wendy when changing money she gave me a felt leaflets and told me the Post office offer a lot services and online was the fastest way to look and apply.I would recommend this site to anyone looking for a quick and convenient / professional way to get a loan, for what ever the case may be. It took only 3 steps and there is NO PAPERWORK involved at all and no fax, no post. I simply started with my name and email and filled in a few blanks and afterwards sat back and waiting on a reply. It was a Awesome way to get what needs to be got done!

Review posted by Mr Banks

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The Post Office offers great affordable Loan Offers, and i have used this option many times in the past. I find that The Post Office makes it so simple to apply for a loan with them. I have always found their online application process is streamlined and painless to use. I cant remember the days we went into a bank. That is all gone, Gone are the days of bringing documents to the bank and being interviewed for a loan. Now this is all done quickly and efficiently online. I love it i cant ask for a better or fast service to use.

Review posted by Mrs Andrews

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I have found my service with The Post Office to be totally profession. From when i filled in a online application to getting the loan completion in to my own bank account.I made 3 calls in following up with the application when i noticed over 4 weeks later my first repayment had not been taken from my bank account. Post office staff were nice to help and there was no talk of charges or any bad credit marks due to no payment, customer service were really reassuring. I would recommend if anyone is looking to borrow money to look into there local post office, they helped me!

Review posted by Kevin Ward

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I am a trainee hairdresser and as most people know the wages aren't very good unless you are lucky to work in one of the big famous salons in London. Unfortunately I don't and so I have to be really thrifty with my money.I still live at home with my parents which isn't too much of a problem because they are really good to me and only take a small amount of money from me to help with the bills but it still means I don't have very much left to socialise much or even have a decent holiday each year.But now I am happy to say that has all changed after I got a loan from the Post Office. I didn't even realise I would be able to get one as I hadn't had much luck even getting a payday loan and everyone I know seems to be able to get one of them. It was my aunt who told me about the Post Office loans and when my girlfriends begged me to find the money to go on holiday with them this summer I decided to try and get a Post Office loan.I couldn't believe how easy the whole thing was and I can't beleive I have wasted all this time scrimping and going without a holiday when I could have got a loan from the Post Office ages ago. Oh well better late than never.

Review posted by Danni Lloyd

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I have a bank account with one of the regular High Street banks and apart from my salary going in each month and me drawing it out bit by bit to pay bills etc. I really don't seem to benefit much from being a customer of theirs.Recently I applied for a personal loan and was refused which really annoyed me as I knew I would be able to make the repayments but my bank thought otherwise.I was desperate to borrow the money somehow and my friend at work told me about the Post Office loans and said she had used them for the same reason because her bank wouldn't give her a loan either.With her help I applied online and was amazed when they approved it almost immediately and I couldn't wait for the documents to arrive in the post so that I could sign them and get the money in my bank account. By the end of the week I had the money and it was very tempting but I did manage to resist ringing my bank and telling them what they could do with their account!

Review posted by Melissa S.

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I am semi retired now and can manage quite well on my reduced wages but occasionally something crops up where I need to get my hands on a bit of extra cash, usually when its one of the grand kids special birthdays or a wedding.Even though I have a regular bank account i don't bother them for things like loans because for the past few years I have had excellent service from the Post Office when I have needed to borrow money.Maybe I could get a similar loan from my bank but I doubt it, and I actually prefer to keep the two things separate so that I don't lose track of my money. I have never had any problems with my lons from the Post Office and I have even recommended them to one of my grandsons when he needed money to buy a car. Now I wouldn't do that if I wasn't 100% happy with the service they give.

Review posted by John Clegg

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I get a loan from the Post Office every year round about this time so that I can pay for my annual trip to Portugal with some of my friends from the social club I am a member of.Even though I am semi retired and only work a few hours a week my reduced salary still allows me to borrow from the Post Office when other loans would not be available to me. My own bank has refused to lend me money because I don't have high enough earnings. but the Post Office are much more relaxed about things and that is why I will continue to have my annual trips to Portugal thanks to the Post Office.

Review posted by Norma Peakes

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For several years I have been making the mistake of taking out payday loans to help me when I have been suffering cash flow problems believing this was the only alternative for me after my bank repeatedly refused to lend me money.It was only when my sister mentioned that she had just got a loan from the Post Office that I realised I might be able to get one too. I was angry with myself for not thinking about them myself.So as soon as I could get my daughter to help with the online application I applied for a loan and to my delight they said yes and told me to sign the documents as soon as they arrived in the post and get them returned to them. They told me they would then transfer the money into my bank within a day and they did so I can't praise them enough and I will definitely go to the Post Office the next time I need a bit of help with my cash flow problems.

Review posted by Pat O'Dowd

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Up until a year ago my relationship with the Post Office didn't stretch beyond the usual day to day services of posting letters, paying my utility bills and collecting my daughters never ending stream of parcels from their depot.It was while I was collecting yet another parcel for my daughter that I spotted a poster on their wall advertising their loan facility and after I got home I decided to check them out online before I forgot.I was pleasantly surprised at how easy and straightforward it was for someone like me to get a substantial loan having been refused one a little while back by my own bank. So with my daughter's help I applied for a loan to get the money for some work that I had been putting off around the house and within a couple of days the loan had been approved and the money was in my bank within 48hrs of returning the signed loan agreement documents.After telling several of my friends about Post Office loans it would seem I was probably the last person to find out about this great service as most of them had taken out loans with the Post Office including my daughter would you believe!

Review posted by Neville C.

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I have had a Post Office savings account since I was at college and never really took much notice of how the Post Office has expanded into other areas of financial help. It was only when I got refused for a loan with my regular bank who I have been with since leaving college and starting work that I gave their website a look over.I was amazed to find out that where my regular bank considered me too much of a risk for the loan I wanted the Post Office took a completely different approach and when I made an initial online application and got a resounding yes within hours I was over the moon. Within days of signing and returning the loan documents the Post Office had deposited the money in my bank account and I was booking a much needed holiday that same day.

Review posted by Lucy Burke

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My friends and family were amazed when I announced that I was going on a round the world cruise. It wasn't so much that I was going on the cruise by myself because they are used to me going off on adventures as a single unattached women. The amazement was more about the fact that this costly world cruise was made possible by a loan from the Post Office.It is surprising to me the number of people who didn't realise the Post Office were far more than just stamps and cashing your giro cheques. They really are a contender with other loan companies and banks in particular which is why I would rather get my loans from them for as long as they are willing to let me have them.

Review posted by Marion Briggs

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My youngest daughter had just started work and was making friends with a whole different group of people from the ones she went to school with and so I wasn't too surprised when she said some of them had asked her to join them a ski trip at the end of the year.She had never been skiing before apart from a one off session at a local dry ski slope with her school years ago. She was nervous but still very keen to go and when she realised how much she would need to spend on the right clothes and basic equipment we knew she would need to get a loan.I told her the Post Office offered great loans for people like us who don't earn a huge salary and helped her to make the online application. Well I am happy to say she got the loan and is busy organising herself for the trip. But I'm still waiting for her to thank her old mum for introducing her to Post Office loans.I nearly forgot to mention that I have just been approved for a Post Office loan myself which is why I was posting this review in the first place!

Review posted by Della Smiley

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I don't like putting all my eggs in one basket so to speak and so when I needed to get a personal loan recently I didn't go to my bank and I steered well clear of those new online loan companies with strange names. Instead I went to the Post Office who have acquired a very good reputation when it comes to personal loans. It still meant going online to make the application but I'm not a technophobe and don't have a problem using my computer for this sort of thing unlike my dear wife.When the loan documents arrived I signed them and got them straight back in the post and only had to wait 3 days for the money to be in my bank account. I was really happy with the terms and conditions of my loan and wouldn't hesitate to go straight to the Post Office website the next time I want to borrow money.

Review posted by George Franklin

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I don't have much of a relationship with my family but I do have loads of great mates who have been there for me through a lots of difficult times. So when my partner proposed to me and suggested we just go off and get married in Gretna Green I said 'yes' to the proposal but a big NO to the Gretna Green idea.My wedding was probably going to be the most important day of my life and I wanted all my mates to be part of it. Whilst my partner and me certainly had enough money to get married in Gretna Green we didn't have enough for the sort of wedding I wanted and that is why I applied for a loan with the Post Office. My partner hadn't realised it but I had actually had several loans from them over the past few years and my low income was never a stumbling block when it came to them approving each loan. This loan is going to be for a bit more than I normally borrow but it is still within my affordability, after all I don't want to be starting married life struggling with a debt that I can't repay.

Review posted by Kerry B.

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I'm an apprentice carpenter which means I don't earn a great deal at the moment but my ambition is to be a fully qualified carpenter with my own business in the not too distant future.Until then I have to rely on the occasional loan to help me afford things like holidays and presents for my girlfriend and after a couple of bad experiences with payday loan companies my parents suggested using the Post Office for a personal loan. I laughed at them because I didn't realise the Post Office actually did much more than sell stamps and deliver letters.How wrong was I. After checking them out online I couldn't believe I had been missing out on such a great loan facility and it didn't take me very long to make my first loan application. So within a week of not knowing the Post Office did loans I was signing the documents for my first loan with them and posting them back, First Class of course!

Review posted by Jason Felstead

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The thought of applying for a loan with my bank filled me with dread and so far that hasn't really changed in the 6 years I have been banking with them.However that doesn't mean I haven't taken out any loans. Far from it as I have actually had 4 loans from the Post Office and up to know it has been my guilty secret. All my friends just assume I earn loads more than I do because I am always the first to get the latest designer shoes and bags and never shy away from a night out in a swanky cocktail bar in London or a girlie week in Marbella or Ibiza.The fact of the matter is the Post Office loan is available to most working people unless you are literally working for a pittance and earning less than the required minimum salary of 8,000 pounds in which case you should be having a word with the boss about getting a pay increase.

Review posted by Kate Peters

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When my husband died 3 years ago I suddenly realised that I knew very little about our finances as my husband had taken care of everything like that throughout our married life and I was far too busy bringing up the children to worry about that side of our family life.But the one thing I did know plenty about was the Post Office as I was working for them when I first met my husband and have always had an interest in how the Post Office were expanding over the years.So when I needed to take out a loan to help pay for my daughters wedding I knew exactly where to go for it and after making the online application I followed it up with a phone call to their head office in London to have a chat with an old colleague of mine who was still working for them. Not only did I get my loan but my old colleague said If I ever felt like coming back to work she would put in a good word for me.

Review posted by Edna Selhurst

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I am semi retired now but still keep my hand in with a little part time job working for a well know DIY store. I have three grand daughters and I have promised each one of them I would pay for them to have driving lessons and then help with buying their first car. Where they live with their parents is a bit too remote for my liking and I feel happier knowing the girls will be able to get out and about without having to rely on a very unreliable bus service to their village or the parent taxi service.One of the reasons I have been able to make this promise is because I have been taking advantage of the very good loan service that the Post Office offer and their terms and conditions mean that even someone like me who is semi retired and on a much lower salary can still be eligible for their loans. When all three grand daughters are finally driving I might use a Post Office loan to upgrade my own car!

Review posted by Jim Neasden

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I take out a Post Office personal loan every year to pay for my children to have some extra private tuition for the subjects that I feel are very important if they are to get on in life and get good careers. They go to a good school but I still feel they need more individual attention so that we can sort out any of the weak areas of their education. before it is too late.I like using the Post Office for the loans because it means I can take the loans out based on my own salary without having to bother my very hardworking husband who is happy to let me take charge of the children's education while he continues to keep a roof over our heads as he likes to put it!

Review posted by Rita Patesh

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Every year it has become a bit of a tradition for me to treat my wife and daughter to a spa weekend in one fancy country hotel or another while me and my son in law go off for a weekend of golfing.I am able to do this not because I am particularly well off but because I am still working albeit part time and I get a Post Office loan each time to pay for the ladies to have their pampering while my son in law and I have an agreement about who pays what for our golf weekend, generally based on who has played the most shots by the end of the day.

Review posted by Clive Wilmott

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I have just got my first personal loan with the Post Office and I wanted to say how absolutely delighted I am with the whole process.I am not particularly good on the computer but thankfully my typing skills allowed me to fill out the online application without too many problems and once that was over the rest was very straightforward. I just had to read through the loan documents when the arrived in the post before signing them and posting them straight back. The money was deposited in my bank account by the begining of the following week and I am now about to tackle another online task of booking myself and my husband a last minute holiday to the Algarve.

Review posted by Christine Walker

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When my mum was taken ill recently I had to drop everything and rush to help my dad look after her. I really couldn't have done it without the help of my sister in law who offered to look after my kids while I was away and my long distance lorry driver husband really couldn't afford to take any time off work.When I got back home to find the house spotless, the kids all clean, well fed and happy I knew I had to do something special to say thank you to my sister in law. So my husband and I agreed we should get a small loan from the Post Office to pay for her to visit youngest son who is in Australia at the moment on a gap year from university. She was so shocked at what we had done that she burst into tears but she was also excited about being able to visit her son and couldn't help smiling for the next week until the flights were booked and she then had to think about overcoming her fear of flying.

Review posted by Dawn Tregar

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My wife has a twin sister and they were very close growing up and when we were courting we usually ended up going out as two couples because the girls really couldn't bear to be apart for too long.This close relationship has continued right throughtout our married life with both families taking it in turns to host Christmas day and we even took our holidays together when the kids were young.So when her twin dropped the bombshell last year that her and her second husband were moving to Canada to live with her new stepdaughter my wife was devastated. Even though they have kept in touch regularly on the phone and this thing called Skype I knew she really wanted to just see her again and give her a big hug and so that is why I have just got a Post Office loan so that I can surprise her with a trip to Canada next month.I initially went to my bank for the loan but to my dismay they weren't very co operative and so I thought I would give the Post Office a try and I am so glad I did. I think I can safely say I will never approach my bank for another loan but I will definitely consider the Post Office again and I have even recommended them to my next door neighbour.

Review posted by Ron Stapleton

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I don't know what I would do without the Post Office loan facility. I have had to rely on personal loans from them for a number of reasons over the years when other loan companies, the High Street banks in particular, have refused me a loan based purely on my low income.This most recent loan is to help sort my daughter out of her difficulties since splitting up with her partner and no parent wants to see their children no matter what their age, crying themselves to sleep at night because of money worries. I was a single parent when my daughter was growing up so I know what it is to worry about not having enough money to pay the bills and put food on the table.With my part time job and this loan from the Post Office I know I can keep both our heads above water and I am sure it won't be long before my daughter gets back on her feet and starts repaying me in one way or another.

Review posted by Natalie Lombardi

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When I want to change my car I never bother with traditional car finance companies because I never feel they offer the best deal. and because of my salary a lot of the high street banks won't touch me with a barge pole. But I still manage to change my car every 3 or 4 years and drive around in some very smart wheels thanks to personal loans from the Post Office.Cars are my one big passion apart from my girlfriend of course, and that is why it is important for me to be able to drive around in a car that is a bit of a head turner. Thanks to the Post Office loans I can do that and when I get fed up with a particular car I just start looking around for an upgrade and then get straight into applying for my next Post Office loan.

Review posted by James Mercer

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I am very happy to say that the Post Office has just approved my loan for a considerable amount of money to enable me to build a small extension on the back of my house. I had paid off my mortgage a few years ago and didn't want to go down the route of re mortgaging and the bank wasn't too enthusiastic when I approached them for the loan. So when my sister told me she and her husband had just got a loan from the Post Office even though he is retired and she works part time I thought I would give them try.After reading about the Post Office loans online I went straight ahead and made the application and was delighted when they approved it subject to a few credit history checks which I knew wouldn't be a problem. I signed the loan agreement as soon as it arrived in the post and within a week the money was at my disposal. Who'd have thought that of the Post Office eh?

Review posted by Len Falstaff

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In my opinion the Post Office loan facility really is a loan company for the ordinary working class person like myself. It is great that they realise that not everyone earns huge salaries but that they can be trusted to borrow money responsibly even on a low wage.I have been so impressed with their loans that I have taken them out several times over the past few years and this recent one came about when my wife gently reminded me that our 40th wedding anniversary was coming up and wouldn't it be nice to do something special like a cruise perhaps. I took the hint as I always do and the wife will try to look genuinely surprised when I tell her about it as she always does.

Review posted by Gordon Evans

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My wife came home from having been out to lunch with her sister and said very excitedly that she had just found out that the Post Office does loans and shouldn't we think about taking one out so that we can afford to go Canada to spend Christmas with our son and his wife this year.And I said no we shouldn't think about it because I already had and the loan was already under way and I was just waiting for the documents to arrive in the post so that I could sign them and get them returned so that the money could be deposited into our bank account and I could go ahead and book our flights.And my wife said rather sarcastically aren't you a clever clogs. And I said, really there's no pleasing some people is there!

Review posted by Jack Winters

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We have just given our daughter the dream wedding she always wanted and it's all thanks to a loan from the Post Office.Last year my husband had to retire early due to ill health and the loan we were hoping to get from our bank to pay for the wedding was refused which put us into a bit of a panic. My friend was very sympathetic and suggested we try the Post Office for a loan and I have to admit I didn't realise that was even an option until she told me. With her help I went online and before I knew it I had the loan approved. The look of relief on my husband's face was enough to make me cry and I can't thank the Post Office enough for the way in which they have dealt with the loan so quickly and professionally. I can't think why we would even bother to approach our bank again when the Post Office are offering such a brilliant loan service.

Review posted by Sally Avery

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After being refused a loan by several well known loan companies and my bank I was getting rather desperate because I had promised my wife we would visit her elderly parents in New Zealand for what might well be her father's last Christmas. He has a terminal illness and hasn't much more than a couple of years at best.A friend at work told me all about the Post Office loans as he had just got one to pay for some home improvements and he told me to give them a try. I used my lunch break to go online and make an application and when they almost immediately approved the loan subject to a couple of credit checks I could have kissed my friend which would have been totally inappropriate but nevertheless I was so grateful to him and when the loan was finalised and the money deposited into my bank account I gave him a big man hug and bought him a couple of pints after work that evening.

Review posted by Vic Gardner

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I never thought I'd be saying this but the Post Office Rocks! They have just approved my very first personal loan after I got a flat refusal from my bank because as a trainee beautician I wasn't earning enough to qualify for one of their loans.The Post Office have really considered people like myself when they set up their loan facility and I think the banks and other well known loan companies could learn a lot from the Post Office's approach to lending money.Well I'll get off my proverbial soap box now and just say a big Thank You to the Post Office for making my life so much happier now that I have the money to do what most young woman of my age do and that is go shopping for clothes!

Review posted by Naomi Sinclair

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After talking it over with my husband I decided to get a loan from the Post Office to help pay for a surprise party to celebrate my parent's Ruby Wedding anniversary.There is just my sister and me so we both needed to get the money by way of a loan to pay for the party and she suggested trying the Post Office rather than one of the other loan companies you see advertised.I'm glad I took her advice and now that we both have our loans from the Post Office we can start planning the best party ever for our wonderful parents.

Review posted by Janice Bowman

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I can't speak for everyone who has taken out a loan with the Post Office but this is my second loan with them in the past 3 years and I cannot fault them in any way. Each time the application process has been very easy and straightforward and once they documents arrive in the post and I have signed them I know it wont be too long before the money is in my account and I can start putting it to good use.This recent loan is to pay for a whole new dining room set of furniture in time for Christmas and I can't wait to have all the family down from Scotland to show it off to them.

Review posted by Lizzie McIntyre

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I don't know what to say about my experience of taking out a personal loan with the Post Office except to say it was probably the most straightforward loan application I have had to make in many years.Previous loan applications I have made with other companies seem to make you jump through hoops metaphorically before you are approved for even the smallest loan and the rates aren't anywhere near as competitive as you are led to believe when you first apply. My own bank lead me up the garden path with regards to how competitive their rates were until it came to signing on the dotted line and I realised it wasn't quite what I thought it was going to be.Quite simply the Post Office loan is a no nonsense loan facility that seems to fill a gap in the loan market for people like myself who are in regular employment but aren't in the enviable position of earning top salaries. That fact shouldn't make it difficult to borrow money but it sometimes does. So my advice is simply to give the Post Office a try the next time you are looking for a loan and be prepared to be pleasantly surprised like I was.

Review posted by David Welsted

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My boyfriends mum told me about Post Office loans when I asked her how she managed to afford so many lovely clothes because whenever I saw her she would be wearing yet another new outfit. She only worked part time in our local supermarket and her husband had a good job but it didn't pay that well according to my boyfriend.So after chatting to her one evening I went home and checked out the Post Office loans website and realised that I would definitely be eligible for one of their loans. I immediately made an online application and by the time I saw my boyfriends mum again I had got my loan and the money was burning a hole in my pocket just waiting to be spent on a whole new wardrobe of clothes after I lose just a little bit more weight on this new diet I am on which was recommended to me by my boyfriends mum of course!

Review posted by Sonia D.

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After leaving catering college I struggled to find a job that I felt was making the best of my newly acquire skills and qualifications. The last thing I wanted was to end up flipping burgers in some fast food chain store.So I decided to take my qualifications to the next level and enrol in a cordon bleu cookery course. As my present job was working evenings it meant I could do a proper weekly daytime course. But it wasn't going to be cheap and so I started looking online for a suitable loan company and was beginning to despair of finding one that would lend me the money based on my meagre earnings.Thank goodness for Post Office loans who seem to be the only lender available to someone like me. I got my loan for the full amount I needed for the course and start next week. Who knows, maybe this time next year I'll be running my own restaurant but if not I will certainly be that much nearer to it thanks to the Post Office.

Review posted by Tehmar Hussain

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I had a bit of a dilemma in that I had 3 hen weekends and 3 weddings to attend within a period of 6 months. As anyone who has been to both a hen weekend wherever that might be and then followed a few weeks later by the actual wedding which means new outfits, wedding present and in some cases overnight accommodation, it can work out to be quite expensive. Now times that by three and you will begin to understand my predicament.I was seriously considering all sorts of imaginary illnesses to use as get out clauses until my flatmate told me to stop being such a drama queen and get a Post Office loan to cover the cost of all three weddings. I didn't even realise the Post Office did loans and I felt such a numpty for getting my knickers in a twist when there was such an easy solution to the problem.I am now a big big fan of Post Office loans and have told all my friends about them especially the ones getting married that started all this in the first place.

Review posted by Fiona Leonards

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I am not usually one for suffering from the green eyed monster but every time I went next door to my neighbour for a coffee I and a gossip I found myself coveting her lovely new state of the art kitchen.When I finally plucked up the nerve to ask her how much it cost I nearly fell off one of the trendy stools at her granite topped breakfast bar. She must have been reading my mind because the next thing she said was it was all down to a personal loan from the Post Office and I should consider getting a loan too if I wanted to keep up with the Jones which coincidentally happens to be her surname.Anyway, I badgered the life out of my husband until he gave in and agreed to getting a loan from the Post Office and within a few days of getting the money I was already designing my new state of the art, keeping up with the Jones kitchen.

Review posted by Viv Mason

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With the help of a loan from the Post Office I am about to embark on the trip of a lifetime with my fiance before we settle down to married life and hopefully start a family.We have been saving for 3 years for the wedding reception and my parents are contributing a considerable amount as well but we didn't want to delve in to that money and so that is why I decided to get the loan and pay for the trip myself as a sort of early wedding present to me and my fiance.Most of the loans I looked at were just not suitable until I checked out the Post Office loan and realised it was perfect for me. Much as I love my job the pay is pretty bad and so my low income was a big stumbling block with some of the other loan companies, but not where the Post Office were concerned.So by the time we are walking down the aisle next year we will have had our trip of a lifetime and I will have paid off the loan which means starting married life with a clean slate, apart from our mortgage which is another matter entirely!

Review posted by Rosie Davids

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My son and his wife had only been married less than a year and they were already experiencing financial problems. My ex husband had already helped them out to the tune of several thousand pounds and was flatly refusing to give them any more money.So as I had only been with my new partner for 6 months it was down to me alone to try and help them get out of this latest financial crisis.That's where the Post Office came to the rescue with a loan that I wouldn't have been able to get elsewhere because of my relatively low salary without paying exorbitant interest rates.I have borrowed enough to get them back on an even keel without compromising my own finances and I have suggested that the next time they need to borrow some money they might try the Post Office instead of the mum and dad bank.

Review posted by Lyn W.

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When the opportunity to flat share with my best friend came up I had to act fast to get the money together otherwise we would have lost out on the flat or my friend would have maybe found someone else to share with.I really didn't want to get a payday loan as that would not have made financial sense for the amount I needed to borrow and my bank was not very co operative so after a quick browse through the online loan comparison website I decided the Post Office loan might be the solution to my problem.I am delighted to say they were the solution and within less than a fortnight I had the loan approved and the money in my bank account. I moved in to the flat last weekend and the first thing we argued about was who was having the biggest bedroom.

Review posted by Andrew C.

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We take out a Post Office loan every year to pay for our summer holiday and other large expenses that might occur such as our daughters 21st birthday last year and her engagement party this year. This arrangement has worked very well for us so far and this year for the first time we decided to also take advantage of the repayment holiday option which basically means that when we are sunning ourself on holiday we don't have to worry about making the repayments on the loan for that particular month. We also decided December would be another good month to use this option. So come January we will be back on track and making regular repayments again after our Christmas splurge on presents and the loan will still be paid off in plenty of time before we apply for the next one.

Review posted by Eric Fraser

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One of the guys at work was bragging about how much he had just paid for his fiancee's engagement ring and I asked him if he'd robbed a bank or something to pay for it because we all earn basically the same wages unless we put in an awful lot of overtime.It turns out he got a loan from the Post Office and when he explained how easy it was in comparison to some of the other loan companies I decided I would give them a try and see how I got on.As I have been married for 5 years it wasn't an engagement ring I wanted the money for but a nice little second hand car for my wife who was pregnant with our first child and needed a safe roadworthy car to get about in once the baby arrived.I got the loan approved with no problems and as soon as the money was deposited in my bank account I took the wife shopping for her new car. However when the baby is born I just might treat her to an eternity ring which seems to be the tradition these days.

Review posted by Bob Reynolds

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The simple fact of the matter is that when I'm looking for a suitable loan the most important thing is being able to borrow the amount I need and not struggling to make the repayments. Otherwise it just isn't worth the bother for me.I always check out the loan comparison website first to make sure I am keeping abreast of any new loan companies that may have sprung up since my last loan and for the life of me I can't understand why I have never given the Post Office loans any consideration up to know.The loan I have just had approved by them is practically tailor made for my requirements and the application process was one of the most straightforward of all the loans I have had in recent years.In future they will be my first choice when looking for another loan and if any one asks for a loan recommendation I won't hesitate to recommend the Post Office.

Review posted by Jeremy Barnes

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I have been using the Post Office for the occasional personal loan for a number of years now and have been very happy with the overall service I have received.After a bad experience with my own bank relating to the first ever personal loan I ever took out I decided never to approach them again for that sort of thing. I decided it was best to keep my day to day banking requirements separate from any loan agreements and the Post Office is the perfect company for me to do business with because I have confidence in their many many years of dealing with the ordinary working class people like myself.Without going to some online payday loan company who charges exorbitant interest rates, where else would someone like me on a meagre salary get such a loan for several thousands of pounds without getting into all sorts of difficulties. The answer is just go to the Post Office, they don't just sell stamps you know!

Review posted by Ellen Stephens

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My husband entrusted me with the task of getting a personal loan to help pay for our daughters wedding. Previously we had got a personal loan from our bank to pay for our eldest daughters wedding a few years ago and we really weren't very happy with the agreement we signed but we were not very clued up with regards to loan companies at that time and thought that was the best deal we would be able to get.Now that I know my way around the internet and in particular the loan comparison websites, I knew when I was applying for a personal loan with the Post Office that this was going to be a far better deal for us than the one with our bank a few years ago.My husband obviously has a lot of faith in me because he didn't even question my choice of the Post Office for this loan and was just happy to sign on the dotted line when the loan agreement documents arrived in the post this week.I can't wait to start helping my daughter plan her wedding and I just want to thank the Post Office by way of this review.

Review posted by Barbara Keegan

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I have just taken delivery of my second hand but still pristine looking BMW X5 and it wouldn't have been possible without the loan I got from the Post Office. My bank were not keen to lend me the money and some of the other loan companies were making me jump through hoops to before they would even consider giving me the loan and so I told them no thanks mate and then took the advice of my savvy old dad and tried the Post Office.Within a week I had the loan approved and the money in the bank and the overall service I have received from the Post Office is certainly worth a mention in this review. I think other loan companies and my bank as well could learn a thing or two from the Post Office about customer service..

Review posted by Stan Beckham

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When I mentioned to my golfing friends that I had just secured a personal loan from the Post Office they were somewhat surprised as they just assumed being a retired bank employee I would naturally go to my bank for the loan.I explained that it is precisely because I am a former bank employee who now enjoys having a nice little part time job in my local garden centre, that made me choose the Post Office for my loan.I was able to take an objective look at all the loan options available to me and decided the Post Office loan suited me much better in my new role as an employee at our local garden centre. I told my golfing friends to give the Post Office loans a try for themselves if they didn't believe me and I have a feeling one or two of them just might do that.

Review posted by David Leadbetter

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As far as I can see the the most obvious reason for using the Post Office loan service is the fact that people like me who are semi retired and only earning a small wage can still apply for one of their loans without being rejected straight away.Unfortunately until I discovered the Post Office did loans that had usually been the case for me and I had become very depressed and unhappy about my inability to afford some of the nicer things in life simply because lenders considered me unsuitable.Even though I don't earn a lot now I was once a bit of a high flyer in business and when I was earning a lot of money I spent it wisely, usually on my wife and children who mean everything to me. So I have no regrets on that score. And I certainly have no regrets in discovering the Post Office loans at this stage of my life and I intend to take full advantage of the loan they have just given me.

Review posted by Jack Cronin

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After 25 years of marriage I am happy to let my husband continue taking charge of our day to day finances but I am and always will be the one who organises our summer holiday each year.My husband is self employed and depending on how good business has been we occasionally have to get a personal loan to help out with things such as the holiday and so over the years I have become a bit of an expert in finding the best loan deals for us.So you can imagine my surprise when I discovered I had been missing out on a great loan option with the Post Office for all these years. I have now rectified that situation by securing a great loan with them to help us book our next holiday well in advance to get the best deal and we will still have a bit over to help with Christmas.I have also discovered that even with my small monthly wage from a part time job in my local supermarket that I am eligible for a loan with the Post Office also which is a great bonus and something I will definitely bear in mind the next time I go window shopping with my fashion mad teenage daughter.

Review posted by Sally Carter

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My daughter has suddenly discovered a passion for ballet dancing and her dance teacher at school has said she thinks she has real potential to go on and become a professional dancer. My husband were delighted at the news because we had already decided she was never going to be much of an academic like her brother.Her teacher suggested some private lessons with a reputable dance school would be of great benefit to our daughter and so my husband and I decided we would get a personal loan to help pay for the lessons. As I work for the Post Office it was a no brainer for me when I chose them for our loan as we had always used them for this sort of loan before and I have great confidence in them as reputable, well established lenders for people like us.So once again we have just got a very good loan from them and my daughter is now driving us mad with her prancing around the house on tippy toes!

Review posted by Minda Jaffrey

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I was getting really fed up having to turn down every invite to all my friends hen party weekends because I just couldn't afford the air fares. Gone are the days when a hen party meant and boozy night out at our local nightclub.My mum told me to think about taking out a loan and suggested the Post Office because she knew I was n't earning enough as a trainee hairdresser to be able to get a loan from my bank.With her help I did the online application and when they said yes I was gobsmacked as I really didn't think I would get the loan. As soon as the loan forms arrived in the post my mum came rushing to the hair salon where I work to get me to sign them and then before I knew it I was booking my flights to Marbella. Thanks mum and thanks to the Post Office too.

Review posted by Gemma Clarke

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After moving into my own flat at the beginning of the year my finances have been severely depleted with the cost of furnishing the place and paying utility bills. But we were coming up to my annual skiing trip with some of my old school friends and there was no way I was going to miss out on that.I had had my fingers burnt a couple of times with payday loans and vowed never to use them again so this time I went looking for a more established and reputable loan facility and they don't come more established and reputable than the Post Office according to my mum whose idea it was to get a loan from them.I have just had the loan approved and am waiting for the documents to arrive so that I can sign them and then start organising my skiing trip and I just wanted to let people know that sometimes it can be really cool to take your mum's advice especially when it comes to money.

Review posted by Neal T.

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They say never judge a book by its cover and I think the same should apply to loan companies. When I asked my dad's advice on getting a personal loan I laughed out loud when he suggested the Post Office as I had images of little old ladies queuing up to get their pensions.I couldn't have been more wrong. One look at their website online showed me that the Post Office are real contenders when it comes to modern day loans. But what makes then really unique is their incredibly low earnings threshold that makes getting a personal loan available to so many more people like me who are starting their working life on very moderate salaries.I have just signed the loan approval forms and I am so happy that I thought I would take the time to post this review to say thanks to the Post Office.

Review posted by Owen Miller

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With the money I got from selling my collection of James Bond memorabilia combined with a personal loan from the Post Office I have just purchased a fully restored classic jaguar E type sportscar in British racing green no less.It may not be quite up to James Bonds standard but it has been my dream car since I was a teenager growing up in the 70's and to be able to get one and enjoy driving it before I get too old is a dream come true for me.My wife is just a delighted as I am but not because she loves the car but more a case of she absolutely hated the James Bond memorabilia cluttering up the house!

Review posted by Peter M.

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When the Post Office approved our personal loan application I felt like a huge weight had been lifted off my shoulders.My teenage daughter had got herself into a bit of trouble and my wife and I wanted to help her back on track by sending her to live with her brother and his wife who live in Portugal. The own a nice little restaurant there and said they would give her a job as a waitress so that they could keep an eye on her.We wanted to help with her expenses and flights etc. and give her a bit of cash to get her started and fortunately for us the Post Office were more than happy to approve a personal loan for us where our bank and other loan companies had refused because of me being out of work and the wife only earning an average salary with her job at the local school as a part time teaching assistant. I am so glad there are companies like the Post Office that are willing to give ordinary working class people like us the chance to borrow money at an affordable rate and so that is why I am writing this review on behalf of me and my family.

Review posted by Andrew Mallard

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I have never had to take out a personal loan before this one and I hope I never have to again but if I do it will almost certainly be with the Post Office who have just approved my loan.I have always prided myself on being able to pay for things up front and even resisted the temptation to get a credit card. But now that I am semi retired and the money isn't in abundance anymore I have had to swallow my pride and borrow when there was no other alternative.This particular loan was to help pay for my wife to have some private medical treatment and so for me there was no better reason to swallow my pride and see my wife get the treatment she needed immediately and get back to her old happy self again. So I just want to thank the Post Office for helping me do that.

Review posted by Jim Sandifoot

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When the girls at work announced they were booking a trip to Las Vegas and did I want to join them my heart sank because I knew there was no way I could get that sort of money together without getting a loan and I had not had much luck with previous loan applications because of only working part time and earning below the usual salary threshold for most loan companies to even consider lending to you.So when I told the girls my reason for not joining them they said why on earth haven't you tried the Post Office for a loan. It turns out that is how most of them got the money and I felt such a fool for not realising that they were in the same financial situation but had found a solution to their cash problem.Now that I know I can rely on the Post Office for another loan I will be up for anything the girls are planning next unless of course it is something too outrageous like pony trekking in the Himalayas.

Review posted by Liz Braxton

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The only time I ever need to borrow money is when it's time to book holiday or get a new set of wheels. In this case it was the new wheels and I was having problems getting a personal loan that wasn't going to cost too much in interest rates and therefore limit what I could afford to buy. As I am still training to be a chef my basic salary is not great and that was limiting my search even more.It was actually my boss that recommended the Post Office to me and I was surprised that anyone who could afford to run their own restaurant wouldneed to rely on personal loans like us ordinary folk. But she explained that she was really hard up when she first started out and it was only with the help of a Post Office loan that she was able to get her first venture up and running which was a little cafe just up the road from where her thriving restaurant business is now.I took her advice and got my loan from the Post Office and I don't know if it is just a coincidence but she also gave me a pay rise as well.

Review posted by Jason Belfort

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With a personal loan from the Post Office I have just been able to set up my very own mobile hair and beauty business, specialising in doing the hair and make up for bridal parties.One of the most important things for me was to have a reliable means of transport because the last thing I wanted to happen was for my car to breakdown on the way to a wedding.Most of my savings had gone on buying all the equipment and beauty products I needed and so the loan was purely to get a nice business like vehicle with my own logo painted on it.My dad helped me pick a reliable roadworthy Mini Traveller and as soon as the Post Office approved my loan and transferred the money I purchased the car and got straight onto the task of designing my logo which makes me burst with pride every time I look at it.

Review posted by Nina Pettigrew

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My niece announced she was getting married to her boyfriend of just 6 months and asked if my two daughters wanted to be bridesmaids. Well of course my daughters said yes and before I knew it they were flicking through dozen of bridal magazines with my niece.What my niece didn't mention at the time was that because of her tight budget I would have to pay for my daughters bridesmaid dresses and shoes. I was extremely annoyed to say the least because I could hardly say no after my daughters had got so excited about the whole thing but I really wasn't in a good financial position and my only option was to try and get a loan.Being a single parent with a low paid job meant I was not an ideal candidate for most loan company requirements but luckily I had heard about the Post Office giving loans to people like me on low incomes and I got straight on to their website and applied for a loan. I am really pleased to say I got the loan and the bridesmaid dresses are being delivered next week. But I really wish my niece had thought about a getting a loan from the Post Office as well and perhaps she might have been in a position to pay for the bridesmaids dresses instead of me.

Review posted by Sharon Bright

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My wife of 40 years has just been given the all clear after being diagnosed with breast cancer 3 years ago. I wanted to do something really special for her after what she has been through and I know her dream had always been to visit Gracelands as she has been a big fan of Elvis since she was a teenager long before I met her.As I am only working part time now due to some health problems of my own I was restricted when it came to finding a suitable loan because of my salary but I remembered a friend mentioning the Post Office doing loans for people in my situation and so I got straight on to the computer and started looking at the Post Office website.My friend was absolutely right and I went straight into doing the online application there and then and the loan documents have just arrived in the post this morning. By next week I will have the money and I will start planning our trip to Gracelands and even though I'm not a big fan of Elvis I'm looking forward to it just as much as I know my wife will be when I tell her the good news.

Review posted by Chas Barnes

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I am going to New York next month with 3 of my old school friends to celebrate our 40 years of friendship that started when we were in primary school.All 3 of these friends are still working and 2 have high flying jobs in the City but I'm just a stay at home mum who hasn't worked since the kids were born and the only money I can really call my own is from the part time job I started a few months ago at our local nursery school.My husband said we could scrape the money together somehow but I insisted on getting a loan to pay for the trip and a colleague at the nursery told me about the Post Office doing loans for people on low incomes and so I got on the computer as soon as I got home and made an online application which thankfully was approved almost instantly and I have signed and returned the loan documents today and I am just waiting to see the money in my bank account before getting too excited about the trip.

Review posted by Lindy Mathers

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Even though I don't earn a huge salary as a trainee legal secretary I like to think I manage my money very well and one way of doing that is with my annual personal loan from the Post Office.Every year for the past 3 years I have taken out a personal loan with the Post Office and I borrow enough to pay for a really good all inclusive holiday somewhere nice and hot and the rest of the money ensures I have plenty of cash to spend on presents and things at Christmas.Maybe when I am earning a lot more money I won't need the Post Office loan but for the time being it is a very good way of supplementing my salary without getting caught up in the whole credit card debt syndrome.

Review posted by Lexi Danes

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My advice to anyone experiencing difficulties with their finances and wondering what to do to avoid the usual last resort of so called payday loans which usually ends up compounding the problem, is to check out the Post Office loan website and see what they can offer you in terms of a competitive loan that doesn't discriminate against people who are on a low income.Unlike other loan companies and banks in particular, the Post Office is genuinely interested in helping people on low incomes otherwise why else would their income threshold be so much lower than the other loan companies. In my opinion the Post Office loan really does offer a lifeline to working class people and I have a great respect for them doing so.

Review posted by Sophia Goldman

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Without a loan from the Post Office my sons's wedding would have been cancelled. About a fortnight before the wedding he lost his job and was in a terrible state because he had so many financial commitments in the build up to the day and with all the worry of finding a new job before his wife gives birth to their first child next January it looked as though everything was going to fall apart.That's when the wife and I took control of things, with no help from the parents of the bride I might add, and we took out a loan with the Post Office. We are no strangers to the Post Office loans as we sometimes use them for holidays and other things. But this time the money was to help our son and we were so relieved when the money was finally in our bank and we could start taking charge of getting the wedding back on track.I am pleased to say my son has just been offered a new job but for a time his life was looking pretty bleak and I am just glad we were able to help him thank to the Post Office.

Review posted by John W.

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We live in Cornwall and so when our eldest daughter told us she had been offered a job in London we were in a bit of a panic. She is a trainee hairdresser and even with London rates her salary wouldn't be anywhere near enough to get her settled into a nice flat.So my husband and I decided we would take out a Post Office loan like we did when our son passed his test and needed a car a couple of years ago, and give her some help with finding a flat to rent and paying the required two months deposit in advance.Anyway we got the loan so that has all worked out really well and my daughter is managing quite well even if she is feeling a little homesick at times. So we have made a note to talk to her about the benefits of getting loans from a reliable loan company in case she feels the need to borrow money herself in the near future. Even with her low income she could probably afford a loan with the Post Office so it is worth her bearing that in mind.

Review posted by Wendy Smith

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After a considerable amount of nagging from my wife I got on the computer and started looking for a suitable personal loan to help us pay for our grandsons first car. It's been a tradition of ours to treat all the grandchildren on their 21st birthdays and this particular grandson was getting the key to the door in a few weeks time and we wanted to be able to present him with a cheque on the day of his birthday.We had not long paid off the previous loan which we took out for a cruise and so we were ready to take on the responsibility of another loan while we were still both earning a small income from our part time jobs. Hopefully by the time we are both fully retired the grandchildren will be taking out loans to treat us instead but for the time being we are glad we can rely on the Post Office.

Review posted by Gerald Kenworth

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When I found out I was 3 months pregnant with my first child I panicked. Not because I didn't want to have a baby with my long term partner but because even though I wouldn't say I am particularly old fashioned I really wanted to be married first before starting a family.For me there was only one solution and that was to get married asap as I certainly didn't want to be walking down the aisle looking like a giant meringue and the dress I had dreamed of wearing for my wedding would not be ideal for even the tiniest of bumps to be cleverly concealed.We had a bit of money put by but even with the low key wedding I decided we should have, we still needed a bit more cash and so we started looking for a personal loan to help us out.The loan comparison website was a great help and without it I don't think I would necessarily have thought about the Post Office for a loan but that's who we went for in the end and the main reason was because I wanted to pay for this wedding myself to say thank you to my partner for everything he has done for my family since my dad died two years ago. Without his support I couldn't have been strong enough to help my mum through it all. I know once we are married my new husband will want to pay his share of the loan but I won't let him as I fully intend to make sure the loan is paid off before the baby is born and I have to give up work.

Review posted by Nicola Horton

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I have not had much long as far as loans are concerned partly because I am self employed as a window cleaner and even though I have insurance to cover me whenever I am unable to work, it only covers me for a short period of time unless I take out a different policy and pay much higher premiums.So when I recently applied for a personal loan with the Post Office and gave them all my personal details I was fully expecting another refusal only to be caught off guard with an almost immediate yes.As soon as the loan documents were sent to me I signed them and posted them back by special delivery that same day in case they changed their minds and here I am just over a week later with the money well and truly deposited in my bank account and I can't thank the Post Office enough for giving a humble window cleaner like me a loan.

Review posted by Steve Briggs

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Before I retire from my very humble but rewarding job as a gardener to most of the better off people on an estate of houses near to where I live I wanted to get a loan to pay for a trip to New Zealand with my wife who has a brother living there that she hasn't seen for nearly 20 years.One of my customers actually works at the Post Office in their head office in London and she suggested the Post Office personal loan. So it comes highly recommended from someone in the know so to speak. She's a lovely young lady and she actually helped me to do the online application to make sure everything went smoothly. When I got the loan forms in the post and signed them I wasn't sure how long before the money would be paid to me but my wait wasn't too long and now I am sat at the computer with my granddaughter who is helping me book our flights to New Zealand and as you may have guessed, she is typing this review for me as well. Well I did say at the beginning that I'm a humble gardener didn't I, not a typist!

Review posted by Arnold Phelps

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My husband and I manage to cope quite well financially despite us both not being particular high earners but as our girls have got older they seem to be costing us more and more especially at Christmas time.So for the last couple of years we have been taking out a personal loan with the Post Office to help pay for Christmas presents and all the other expenses that arise around that time of year. I often joke that we need a second mortgage just to pay for the Turkey that we have buy to feed our very large extended family that insist on coming to us each year.This year we have been a little bit cheeky and have borrowed just a little bit more to pay for a nice romantic weekend in Venice for the two of us early next year but we daren't tell the girls yet in case they want to come with us.

Review posted by Gloria Hanwell

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My first wife was a lovely Irish Colleen who gave me two beautiful daughters before she sadly died of cancer 5 years ago. Our daughters are coping quite well with her death but they miss going to Ireland to see the wife's family which was a little thing the wife used to like to do with the girls when they were growing up so that they got to know all their cousins there.I work in the building trade and when there is work I get good money but that isn't always the case so when the anniversary of the wife's death was coming up I really wanted to be able to take the girls to Ireland myself and so I got them to help me get a loan using the internet which I am not very good with. My eldest is brilliant and she took charge and before we knew it she had filled out the online application for a loan with the Post Office of all people and I thought there must have been some mistake when she said dad you've been approved the loan.Well she was right I did get the loan and the money has just been deposited into my bank just a few days after I signed the forms. So I have got my eldest daughter back on the computer to type this review to say a big thank you to the Post Office. And we are off to Ireland during the half term school holiday so the girls are very excited about that.

Review posted by Mick Clayburn

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The Post Office offers personal loans that are in my opinion as good as any of the other more well know loan companies and banks except for one important factor. and that factor is that someone like me who is on a very basic wage can still be eligible for one of their loans.I had lost count of the number of loan companies that had refused me a loan and my bank was never going to be an option because of the really high interest rates they were quoting me for the amount of money I needed to borrow.Just when I thought of giving up on getting a loan I overheard a friend of my parents telling them about how they had managed to secure a loan from the Post Office even though they were retired and living on a relatively small private pension until they were due their state pension in a couple of years time.When I realised I was earning more than them I decided to give the Post Office loan a try and was so happy when they approved the online loan application within less than an hour and they assured me that once the loan documents were signed and returned to them the money would be in my bank within 24 hours of them receiving them. The moral of this story is to keep your ears pricked as you never know what you can learn from eavesdropping.

Review posted by Jes Wittenhall

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After several back to back social events ranging from my best friends hen weekend to the my parents 25th wedding anniversary celebrations I was seriously low on funds and I still had my friends wedding and my brother's 21st birthday to deal with.I really didn't know how to get my hands on the money I needed as several loan companies and my bank had already given me the thumbs down when I approached them. I think the fact that I am a junior clerk and only earning the basic salary until I get promoted was the main reason I couldn't get the loan.But one eening after trawling through the loan comparison website I stopped at the Post Office website and couldn't believe what I was seeing. It was the answer to my prayers to see that my salary was more than 50% above their minimum salary threshold and that meant I had a very good chance of securing a loan.Well I'm happy to say I did get the loan and within less than a week too. Now my friends wedding and my brother's 21st birthday presents are both sorted and I even have enough for some seriously high heels to finish off my outfit for the wedding.

Review posted by Tanya Hudson

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My advice to anyone who is having problems finding a lender because of their low income is to go straight online to the Post Office website and start the application process.Most lenders I looked at were not prepared to even consider my application because of my meagre income but I wasn't put off and eventually came across the Post Office website after looking at various loan comparison websites.Unlike the other lenders, my salary wasn't a stumbling block as far as the Post Office were concerned and even though they were quoting an APR that was a bit higher than the other lenders I didn't mind because it meant I could borrow the money I needed desperately to secure the deposit on a flat.The repayments I have to make are very affordable because of the loan period the Post Office have allowed me to have and so I just wanted to let other people in my salary bracket know that the Post Office are there to give loans to people just like us.

Review posted by Gemma Lucas

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I am driving around in my lovely new car and it's all thanks to the Post Office for giving me a personal loan when every other lender I approached, including my own bank, turned me down flat because of my low income.I am a trainee beautician and even though I am not earning a great deal at the moment I am hoping to change that when I eventually qualify and am able to start working for myself.But in the meantime, I am just like everyone else and having a car is a necessity rather than a luxury which the Post Office seem to understand. If it weren't for them I would still be driving the very old and unreliable mini that my mum gave me when she bought her new car.So thanks to the Post Office I can get to work every day without my dad having to get the jump leads out to get my car going.

Review posted by Lacey M.

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It's thanks to my mum that I was bale to buy my new car. Not because she gave me the money but because she told me about the Post Office giving loans to people like me who weren't earning a huge salary.I didn't realise the Post Office did loans I just thought of them as a postal delivery service. To be honest most of my friends thought so too because when I told them where I got the money to buy my car they thought I was joking or had been on the 'waccy baccy'!Now that they know what else the Post Office do I bet they will be copying me and applying for loans themselves because they are all really jealous of my new car and who can blame them, because it really is a great set of wheels.

Review posted by Matt Wilcox

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I am only working part time and did not meet the criteria for getting a personal loan with my bank. A friend suggested I try the Post Office which really surprised me. I had no idea that they offered financial services in the form of a personal loan.I needed some extra cash to finance a school trip for my daughter, I just did not have enough in my savings. So I went on line to see what was needed for a personal loan with the post office.What a pleasant surprise that I met the criteria they needed so I went ahead and completed the application for the amount that was needed. It did take a few days to get a decision, but I was willing to wait as I had been turned down by my bank. I was successful and very thankful that I could now fund my daughters trip. I signed the paperwork they needed, mailed it off and within a few more days, the money was in my bank account, brilliant!

Review posted by Laura W.

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I needed a personal loan so that I could buy and replace some farm equipment, I did not want to use the little savings that I had. I was in the post office the other day and was reading one of their flyers on the notice board, I had no idea that the Post Office did personal loans. When I got home, I went on line and pulled up their website. I read the rules and regulations and thought that I just might stand a chance in obtaining a loan, so I completed their application on line.Their response came back within a day and I accepted their terms. The paperwork was sent via the mail, well of course, I signed it and sent it back and a few days later the funds had been deposited into my bank account. Wow that was so easy and painless, well done the Post Office.

Review posted by Thomas C.

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If it wasn't for the Post Office people like me wouldn't be able to experience some of the nicer things in life. I have worked hard all my life and so has my husband and even though we manage to pay all our bills each month and have a bit left over, we could never have afforded to pay for the cruise we are just about to go on without the help of a personal loan from the Post Office.I didn't think we would be eligible for a loan because of our low incomes but my friend at work had just got a loan from them and she recommended that I do the same.So I did and to make things even better I was able to opt for a repayment holiday so that I would have to make my first payment until after Christmas. So now we have our cruise booked and before we set sail I just wanted to say that I think my two favourite letters in the alphabet are P and O for two different reasons.

Review posted by Sandy B.

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I don't earn as much as my sister does but me and my husband still manage to have a very nice holiday in Spain every year when my sister and her husband have to be satisfied with their annual caravan holiday on the south coast which would be lovely if they were ever lucky enough to get more than a few days sunshine every time they go there.Our guaranteed two weeks sunshine in Spain is all thanks to our personal loans with the Post Office that we take it in turns to get each year. We wanted to make the most of this opportunity before my husband retires in 3 years time and thanks to the Post Office we are able to do so.My sister has never asked how we can afford our holidays but if she did I wouldn't hesitate to tell her about the Post Office loans. But for the moment I am just enjoying always having a better tan than her.

Review posted by Patricia Morley

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Christmas can't come quick enough for me this year now that I have been approved my first ever personal loan with the Post Office. Up until recently I didn't even know that they did loans but my boss at work told me about them and said she had got several loans from the Post Office over the years and they had always worked out fine for her.After looking at their profile on the website I could see that the APR they were quoting for the amount I wanted to borrow wasn't as competitive as most of the other lenders, but because I had been refused loans before because of my low income I was just grateful to be offered a loan at all.Provided I can make the repayments easily each month then that is the most important factor of this loan for me and the Post Office have ensured that the repayments are easily affordable for me by spreading the repayments out over a longer period.This just goes to show that loans can be possible for most people if only the lenders would be a bit more understanding and flexible like the Post Office.

Review posted by Mindy Newton

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Most of the lenders I looked at on the comparison website wouldn't touch some one like me with a barge pole because of my low income. and those that would literally wanted their 'pound of flesh' in the form of extortionate interest rates.All I can say is thank goodness for the Post Office. Without them I would have been in dire straits because of a serious of domestic disasters starting with the boiler packing in and the cooker deciding it had had enough.I had used the Post Office for a personal loan a few years ago to help pay for my daughters wedding and now that it was paid off I felt I could afford to take out another loan with them.I know their interest rates are a bit higher than the regular high street banks but the high street banks wouldn't give me a loan anyway so it wasn't worth dwelling on. I still managed to get an affordable loan for the amount I needed to sort out the boiler and the cooker and it was all thanks to the Post Office. To make things a bit easier for me they even suggested I take a repayment holiday before Christmas which I hadn't thought about so I am glad they reminded me about that.I've got my son and his new girlfriend coming to stay for Christmas and I am relieved that we will have a warm house and something to cook the turkey in.

Review posted by Doreen Mathews

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My brother and his snooty wife are coming to us for Christmas this year after insisting we went to them for the last 5 years, not because she liked being the hostess but because she liked to show off her lovely house.So now not only am I in a panic over my very ordinary home but the bed in the spare room has seen better days and the mattress is so lumpy even our dog refuses to sleep on it. I needed to get a new bed and spruce up the house in general and as far as my husband was concerned that included getting a new plasma screen TV.So we worked out how much we would need and went straight to the Post Office Loans website to apply for one. We didn't bother looking elsewhere because we been refused loans before from other lenders because of our low incomes and it was only the Post Office that would even give us a look in.We filled out the application form and were almost immediately told we had the loan subject to a credit check which wasn't a problem with the first loan we had with them so weren't too worried about this. We also took advantage of the option to take payment holidays so that we had a bit more cash for Christmas and next Spring when it is our wedding anniversary and we plan to go to Spain to celebrate it.I am so glad we got this loan from the Post Office otherwise my brother and his wife would be sleeping on a lumpy bed and hubby wouldn't have his plasma screen TV to watch the Queen's speech on.

Review posted by Joan Brownlow

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I had applied for several loans over the years with different lenders, my bank being one of them and had always been refused or offered the loan but with a really high interest rate which was just not an option for me.I was too embarrassed to tell my friends about this but then my mum told me about the loan she had just got from the Post Office to pay for her and my dad to go on a cruise and I realised I just might be in with a chance of getting a loan from them because I knew my finances were a bit better than my parents who are both retired now and living on their small pensions.So without wasting any time I went onto the Post Office website and made my loan application and I am posting this review because I am just over the moon to hear that the loan has been approved and my money should be in my bank account by the end of the week meaning I can go on holiday with my girlfriends to Tenerife after having made some lame excuse about not being able to get the time off work.

Review posted by Stella M.

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I burnt all my bridges when I moved out of my parents house and moved in with my girlfriend. My girlfriend is 10 years older than me and has two kids by her ex so my mum and dad were not very happy about the situation.They said it wouldn't last and they were right because now I am out on my ear and she has taken back her ex leaving me with nowhere to live and my parents don't want to know me.I've been sleeping on a mates sofa but its not ideal so that's when he suggested I get a loan and find myself a flat of my own. I had used the Post Office for a loan a couple of years ago to buy a car and so I knew I stood a chance of getting another loan with them.The Post Office came up trumps with a loan that was affordable and means I can rent a place of my own and manage the bills without a problem. Considering most of my money used to get spent on my ex girlfriend I should be quite well off now.

Review posted by Liam

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Lots of my friends get loans from the Post Office and thats why they can afford to drive decent cars and have nice holidays to Spain every year. I decided I wasnt going to keep being jealous but instead I would get a loan from the Post Office to so that I could have nice holidays as well. I can't drive so I dont need a loan to buy a car but the loan I have just got from the Post Office is going to help me learn to drive because my friends say they are fed driving me everywhere and they can only have a glass of wine but I can have loads.

Review posted by Dianne

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I was in the Post office waiting in line for stamps when I started reading the posters and advertising bits and pieces. I was really surprised that the Post Office offers loans, I had no idea. I had been thinking about a small loan to replace some worn-out electric appliances in our home. So when I got home I went on line to see what they offered. I thought it was pretty cool that you could select holiday months when you would not have to make a payment. Also that you could pay off early if you wanted to.I completed the form on line and waiting for a decision. The form was pretty easy. In a few days a decision came back and they sent me forms to sign, which I did and sent back. A few more days went by and I was informed that the money had been deposited in my bank account. Way to go Post Office.

Review posted by Lloyd Spencer

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The Post Office is the last place I thought anyone would apply for a personal loan. A friend of mine told me about their experience with the Post Office when I said I was thinking about researching on line for a personal loan. I thought he was joking, but when he said he had achieved the funding goal he was after I figured I would try for a personal loan myself.I applied on line and completed the application. They had a pretty flexible approach to lending money and I was impressed with the ease with which one could apply for a loan. Well I was not disappointed within a day I heard back from them and had a favourable decision, they said they would be sending me documents to sign. The documents arrived within a couple of days, which I signed and sent back. The money was paid into my bank account within the week, pretty cool.

Review posted by M. Draken

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I can't believe I have just got a loan from the Post Office. I had almost given up hope of ever being eligible for a loan because I don't earn big bucks like some of my mates who work in the City.My girlfriend recommended the Post Office because she was worried I would go to one of those payday lenders and get myself into debt like she had done a few years ago. Once she discovered the Post Office do loans for people on a lower income she never used payday lenders again.So I took her very good advice and this loan with the Post Office is not going to be a problem for me to repay and to make things a bit easier they have even let me delay making my first repayment until after Christmas which means I'll be be able to buy my girlfriend an even better present and make sure this is our best Christmas ever.

Review posted by Warren Briggs

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When I went online and started looking for a lender that would even consider lending to someone like me that is on a low salary I thought i was probably wasting my time but I persevered with the task anyway. I nearly gave up when I finally got to the Post Office loans website and couldn't believe my eyes when I read their terms and conditions for being eligible for a loan from them.It would seem I earn more than enough and the approval I have just received means all the hassle of signing and returning the paperwork was worth it because I now have that long awaited first ever personal loan and I have to thank the Post Office for having faith in my abilities to repay it.

Review posted by Craig Murphy

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I was astounded to find out that the Post Ofiice gave out personal loans.I found out whilst searching all the financial institutions on the Readies.co.uk website.I earn£9000 per year and had been refused a loan by 2 banks, so grabbed the chance and applied on line to the PO.I did see that they charge more interest than most institutions but that was the least of my problems as what I wanted was the laon.I decided to spread it over a longer period of time, so not to be under pressure to pay back the £2000.After 2 days of my application they sent me some documentation to sign and return via post.Another 2 days thereafter they approved the loan and deposited the cash in my bank.Im extremely grateful that I got it right on my 3rd attempt and from a post office rather than a ban. Incredible!

Review posted by Ronald Waterson

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It is enlightening to see a Post Office join the financial world. Who would say? But the truth is that they have and are now competing with the biggest banks in the UK to provide loans. I carefully read what they offered and in the end applied for a £3000 loan with them as they offer something no other institution seems to. The possibility for you to opt not to pay on certain holiday months, like Xmas for example. This is a brilliant concept as it gives you breathing space at certain months when you need money, for example , to buy Xmas presents. This way you skip paying that month without actually defaulting. That was my reason for applying with the Post Office. They werent que quickest at approving the loan but they did it after a few days and I got the cash. I guess it paid to wait as the cash is now available to me.

Review posted by Fred Anders

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I would like to tell people that I was very nervous about applying for a personal loan with the Post office. The reason for my uncertainty is that I thought their business was delivering mail, not acting like a bank... I was weary but as my friend insisted that they were fair and approved loans even of people with minimum salaries, I tried it. As I earn a little more than £8700, so met their criteria. I only needed £2000 so I applied on line, providing all the information they required. They sent me some paperwork to sign and return and then 3 days later I was contacted by them to say their decision had been positive. Im really thankful. I will be paying over 48 months but I dont mind as there is the option of paying the loan back before the time by paying a small fee. This may well happen as I´m waitiing to cash out a policy. Good to know the PO are another possibility.

Review posted by Tyson Peterson

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One has to look at different avenues in life and to say the truth I´m sick and tired of being handled by banks. Most are deceitful and mis-inform you with confusing info. I´ve had one bad experience 3 years ago when I borrowed from a bank, was hit with a different monthly payment from month to month as their interest rate was not fixed. This time I thougt: to hell with it, Ill apply with the Post Office". Im writing to tell everyone I have no complaints. I borrowed 5 months ago already and everymonth I pay, as they promised, exactly the same amount. No surprises. I do admit the interest rate seems higher than others charge but peace of mind is more important. They have deducted the money from my bank everymonth so I need not worry. When I applied they werent excactly speedy but they got the job done. This is a place to consider, I tell you. No bullshit!

Review posted by Mark Carlton

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My name is Sofia Burns and I live in Manchester. I am a part time nurse and therefore dont earn huge amounts of money but do get more than the minimum salary. As it is almost Xmas, so needing extra money, I applied for a £3000 loan via the Post Office. I chose them instead of a bank as I can borrow the cash now and start repaying the loan only in January, giving me the break over Xmas. This is one of the benefitts that they offer, unlike any bank. One can actually state that they want to take " repayment holidays", in other words NOT to pay at Xmas month, or on your holiday month for example. This is indeed a plus with the Postoffice. I will be paying over 3 years but never in the month of December. Genious idea!

Review posted by Sharon Maxwell

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My dad has worked for the Post Office for the last 15 years. He is happy working there. Last month he was standing besides my brother and I, when we were discussing which bank to apply for a loan with. He could hear us weighing up the pros and cons, and debating as to the best one to approach. he then asked why we didn´t apply with " his company". We laughed and said that we were trying to borrow cash, not send a parcel to China... Our sarcasm backfired when he told us that the Postoffice actually provide loan to thousands of people in the UK. We were shocked as we had no clue. After what he said we went to readies.co.uk to compare all the institutions that lent and did indeed see the Post office was on the list. If not, why not ? We thought... We applied, waited 3 days for the documentation to sign and return, then a further 3 days to receive a reply and therefater the £4000 was in the account. All done in 1 week. Overall we are happy with their work and have no complaints. Tks dad!

Review posted by Peter Savage

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It is nice to see that the Post Office these days also lend money if someone needs it. I found out about this through the lady who works at our local Post office, when I mentioned to her that I was on the way to my bank to go to apply for a loan. She asked why I didnt give them a try! At first I thought she was pulling my leg but soon realised she was dead serious. Also she said I could apply on line at anytime of the day or night or even over the weekend. This appealed to me as Im a busy person. That night I checked them out, was happy enough with what I read and filled in the online application which was simple and clear. They made me wait a few days t sign the agreement and 3 days after I had returned it, they contacted me to say it had been approved and the cash was on its way. I was pleased as there was no fuzz.

Review posted by Monica Payne

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Who ever said that only banks can lend money? I thought so too, until my mom told me otherwise. She told me I could borrow from the Post Office, which was news to me. I guess we do learn something everyday. I needed to buy a new motorbike to get me to work, as I had started a new job only about 2 kms away from where we lived and this was a good means of transport and very cheap. I applied for £2000 , offering to pay over 24 months. I found the application form to be easy to fill in and the questions were standard relevant ones. One week later I had the cash and went to buy m bike. I would like to say to other youngsters like myself, as I´m only 19, not to overlook the Post Office as they were uncomplicated. Thank you

Review posted by Allan Spielberg

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What caught my eye when I was searching on line to find the right bank to take out a loan with , was what I read on the site of readies.co.uk about the Post Office benefits.I saw that if one borrows from the Post Office one can ask not to pay on a specific month, like on the month that you go on holidays each year.This was like music to my ears, as every year I go overseas on holiday, and that specific month I need extra cash to spend, so if I do not have to pay my installment, and will not fall in arrears for it, then that is an arrangement made in heaven.Upon reading this I looked no further and borrowed £5000 over 48 months from the post office.They must have cleared me as I got the loan.Thank you. Worth knowing this guys!

Review posted by Christine Dearden

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My name is Maria Lopez. I am Spanish by origin, but I have lived in the UK where I m a permanent resident for the last 11 years. I work part time at our local supermarket and do not earn big money, but I do earn enough to live and to save a little everymonth. Three months ago over the summer holiday I borrowed £2000 from the Post office as to be honest I was very confused with so many banks to chose from. I chose the Post office for 2 reasons. 1- They offered fixed interest rates 2- I could chose a month every year when I did NOT have to pay and as I visit my family every year at Xmas time, this menat that I could use the installment money for travelling. I think it is a good thing that the Post office offers and IF more people knew this, more would apply with them,instead of with regular banks. It was also easy to apply with them on line.

Review posted by Maria Lopez

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I really don't know what I would do without my occasional loan from the Post Office. I have relied on these loans for the past few years to help me out with all the added expense of xmas and without them I would be feeling very stressed out at the moment.I have been able to borrow more than enough to sort out all the presents for my kids and neices and nephews and still have enough to make sure we don't go short on all the other treats. My husband says he doesn't know how I manage each year but he doesn't know about the loan and because I work really hard and earn enough to make the repayments I don't think he needs to worry himself about that and should just concentrate on making sure the household bills are paid.

Review posted by Valerie Clarke

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I don't particularly like Christmas and all the commercialism that goes with it so I try to get away from it all and just spend a few days soaking up some winter sun and reading a good book. Without a loan from the Post Office this year I would have had to forgo this pleasure and spend Christmas with family who think the highlight of the festivities is playing Trivial Pursuit!I had almost resigned myself to that fate when a friend suggested getting a loan from the Post Office and joining her in Tenerife. She didn't have to ask twice and so thanks to her and the Post Office I have been spared and I really must make sure that doesn't happen again next year.

Review posted by Suzie Q.

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I am so made up that the Post Office approved my loan because now i can join my mates on a ski trip that I wouldn't have been able to afford. Most of my salary goes on rent and paying the bills but I really enjoy skiing and it is the one thing I am really good at.This loan means I can afford some new ski gear as well so as long as my girlfriend has a nice present at Christmas the rest of my loan money can go towards having the best ski holiday ever and as soon as I have paid back this loan I just know I will be planning my next ski trip hopefully with the help of another loan from the Post Office. I think my girlfriend might have other ideas about the purpose of another loan but I'm not quite ready to take that particular jump if you know what I mean!

Review posted by Kenny H.

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My wife took out our first loan with the Post Office when we first got married and so far we have had 5 loans from thme over the past 8 years and they have all worked out really well for us.We are not bad at managing our money and apart from the loans we never have any other debts apart from household bills but because we both are on low wages we can't afford to borrow money from any of the regular high street lenders.We don't really mind because we know we are almost 100% certain of getting our loan approved by the post Office and that is very reassuring to know whenever we need extra money in an emergency.

Review posted by Darren Clayton

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The Post Office loans are really the only option for me when I need to borrow money sensibly. I say sensibly because I have borrowed money before from various payday lenders and got myself into all sorts of trouble. That never happens now that I have discovered the Post Office loans are available to people like me who have a good steady job but don't earn a huge salary. My mum and dad are really pleased that I have finally seen sense and taken their advice because it was them that introduced me to the Post Office loans a while ago and maybe if I had known that my parents had been making use of them as well I might have been able to avoid all that earlier trouble but now that I have this brilliant loan from the Post Office I am not going to worry about what mistakes I made in the past and just get on with making the most of this loan.

Review posted by Megan J.

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I am so happy that I managed to get this loan from the Post Office that I want to post my review so that anyone else reading this who has experienced knock backs time and again when they have applied for loans can take heart and do what I have done and put their faith in the Post Office.Since being approved the loan I have not stopped telling all my friends because I know a lot of them have had similar problems like me when applying for even relatively small loans just because they don't earn over a certain amount of money.So to all those workers on a modest wage that are being refused loans, I would like to say don't despair just go online and check out the Post Office loans.

Review posted by Chrissie Lewis

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I am absolutely delighted that the Post Office have approved this loan for me because it means I can afford to treat all my grandchildren to a visit to the Christmas Panto and a meal at their favourite restaurant afterwards. Having 5 of them means it is quite expensive for me especially as I am widowed and only work part time now due to ill health.My daughter told me all about the Post Office doing loans and I am so glad that she helped me to make this application online because I am not very good on the computer and I am also not very good at typing which is why she is doing this review for me so I suppose I should thank her as well as the Post Office and maybe if I take out another loan with them in the future I might be able to manage it on my own. So I better get some practice in. In the meantime, thank you to the Post Office and a Very Merry Christmas to all your staff.

Review posted by Sadie Clarke

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I have used the Post Office loans service a few times in recent years and I am very glad they they are still doing business and offering this great service to people like me. Without their loans I would be struggling especially at this time of the year. But because I can borrow a reasonable amount in spite of being on a very average wage I am able to go on the occasional holiday and treat my grandson at Christmas and birthdays. My family are very supportive and are always willing to help me out financially but it is nice to know that I can manage without them if I need to and anything that helps to keep me independent is a good thing when you get to my age.

Review posted by Douglas Johnstone

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Being semi retired and on a reduced income doesn't make it easy when you are looking for a personal loan but thanks to the Post Office it doesn't make it an impossible task.This is the second loan I have had from the Post Office and I am sure if I live to be a bit older it won't be my last one. Being semi retired means I have a bit more leisure time and I like to make the most of it as I have never been one for sitting watching TV all day.These loans help me to afford to go on touring holidays all over the UK and parts of Europe and this time I am going to visit the Highlands of Scotland and will be celebrating the New Year in true Scottish hogmanay style with my fellow travellers.It should be a very nice experience and I would like to thank the Post Office for making it possible for me.

Review posted by Derek

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Thanks to my Post Office loan I have been able to pay all my bills this month, buy presents for all my grandchildren and still have some left over to treat myself to a nice new pair of boots and winter coat.My pension is more than enough to get me by each month with a bit over for the occasional birthday present that I have to buy for each of the grandchildren but if I haven't managed to save a bit extra in time for Christmas I find I am struggling a bit.So that's when the loan from the Post Office comes in very handy and I am sure there are a lot of retired people like me who could benefit a great deal from these loans too and so I do hope they are advertising this service so that everyone gets to hear about this marvellous service.

Review posted by Patricia

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I have never taken out a personal loan before and I didn't think I would be doing so for a while because my salary as a trainee hairdresser isn't likely to increase very much in the next few years.I discovered the Post Office did loans for people on a low salary from one of my clients and its one of the best bits of advice I have ever had from a client because this loan has made such a difference to my life.With the money they are lending me I have got myself a flat of my own after several years of trying to save up the deposit to rent and be able to move out of my parents house. I thought my mum in particular would be very happy for me but she doesn't seem to be and I think it might be because she misses having her own personal stylist on call 24/7.

Review posted by Joanne P.

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I want to thank the Post Office and my mum for helping me get this loan to buy my car. I didn't find the process very easy and so my mum did it all for me and when the Post Office said yes I thought my mum must have made a mistake and I made her double check. She did check again but gave me a clip around the ear for wasting her time when the yes decision was right.My girlfriend is typing this review for me because I'm a bricklayer not a typist and I would make a real mess of it but I genuinely am really grateful for this loan and so I suppose I should include her in the thanks.

Review posted by Luke, Streatham

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I needed a small loan to pay off a credit card that had a high rate of interest. A couple of friends had told me about their experience with obtaining a loan from the Post Office. I was totally taken aback, I had no idea the Post Office loaned money. They had been pleased with the process and said I should give them a try. We are all in about the same wage bracket so no big differences in income, so I decided to give them a try.I went on line and looked at their loan website,their terms were not bad and if I could get the interest rate they suggested for a small loan, I would be better off than paying the credit card interest. I made the application and waited for a response. In a few days, I received a positive decision and agreed to the terms. They sent the documents for me to sign, which I returned and by the end of the week the money was in my bank, that was painless and I would recommend the Post Office for anyone's financial needs.

Review posted by Tom Hall

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While I was standing in line at the post office the other week, I was reading their notice board and discovered that they offered personal loans. I did not know the post office did that. I had been thinking about obtaining some extra cash for a project I was going to undertake and was going to start looking for a lender. Well there it was right under my nose, no research needed. The Post Office is more than a stable institution, so when I got hone I tuned up the computer and had a look at their website.I read and digested their policy statement and conditions one had to meet and felt I was eligible so I applied there and then, not knowing what to expect. I was not asking for much and not for a long term, I hoped I would be successful. The next day I received a communication from them saying that I had been tentatively approved and they would be sending me the paperwork to firm up the deal after their checking had been completed.After another few days, the documents arrived and I signed and sent them back. They made their decision and I was notified that the money had been deposited into my bank account. What a deal. I'm glad I read their advertisement while in line.

Review posted by Shannon W.

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My car was in the wars recently and there were some major repairs that had to be done, the insurance deductible was so high I decided to finance the work myself. I had seen an ad in the paper for the Post Office offering personal loan and thought I would give them a try to see if I could the repair money. I did not need much and not for very long, so this might be a good fit.I looked up the Post Office website and seeing as I was eligible went ahead and applied for a personal loan. I saw that the interest rate was better than the banks in the high street, so this could be a good situation. The Post Office got back to me within a few hours, which was great and potentially said they would be sending me the loan documents for me to complete so they could make a final decision. I got lucky and they deposited the funds into my bank account after accepting my signed documents. This was a pretty slick process, I was very pleased.

Review posted by Lloyd Kemper

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My wife has been on at me for a while to remodel the kitchen. I can do the job myself, I just needed the funds for the materials and new appliances. I was aware that the Post Office offered personal loans and considered asking them for my remodeling money. I just kept procrastinating but had finally given in, under pressure, I might add, and while she was breathing down my neck, got on the computer and pulled up their website.I went on line as it was easier than going to the Post Office and read and understood their guidelines for loans. I knew roughly the amount I needed so made an application for the amount and waited for a response. They got back to us that afternoon, which was impressive, and said they would send the loan documents for completion and made a final determination on whether to grant the loan. When all was said and done, the money was granted to me and I was able to forge ahead with the kitchen. This was a pretty swift process despite the few days wait.

Review posted by Darren Smith

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Our son was getting married and although he and his fiance had been saving for the occasion, they had come up a bit short. Prices go up when you are not watching and weddings these days can cost a lot of money. The wife and I wanted to help and figured a short term loan might be a viable solution. We had looked at the interest rates offered by the banks and other lenders, but studying the websites, decided upon applying to the Post Office. We had received a loan from them before and it had been a good experience, we saw no point in going elsewhere.We knew the routine so we went on their website and applied for a short term loan. They came back the same day and said they would be sending the loan papers for us to complete and send back. In two days the money was funded into our bank. We were very happy that we could help our son now with the wedding plans.

Review posted by Peter Lane

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I am so made up that my loan from the Post Office was approved and I now have the money in my account. I hadn't taken out a loan before and I wasn't sure if I would be given one because i don't earn a lot of money. Not having any credit card debts and only a small amount of monthly outgoings meant I could afford the repayments on the loan easily and I just kept my fingers crossed that I would get a yes from the Post Office. I got a yes eventually and before i new it my bank account balance was looking healthier than it has ever done before or ever likely to again unless I get another Post Office loan or win the lottery.

Review posted by Jason M., Canvey Island

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Being a single mum to my little boy Calum means that I struggle a bit at Christmas time but I always want to give him the best that I can afford which up to now hasn't been much. That's until I found out about the Post Office loans that are available to people like me who are on a low salary.My best friend told me all about the loan she had just got from the Post Office and because I know she earns even less than me and has lots more bills to pay each month I had a good feeling that I would be accepted for a loan.I wasn't wrong and the loan money has been sitting in my bank account for the past week because I just love going online and looking at my bank balance which has never looked so good and once I have bought all my little boys presents it won't look like that for much longer but it will be worth it just to see his face Christmas morning.

Review posted by Lara G., Essex

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I still can't believe I got approved for this loan from the Post Office and I have to keep checking the forms to convince myself it isn't a dream. I really wanted to get the loan in time for Christmas but I left it too late but now that I have the money I can pay off all my credit cards that I had to use to buy present. If my parents got a look at the statements they would have a fit so that is the first thing I am going to do. The next thing I am going to do is book my holiday to Dubai for next year and that really is the main reason for the loan because it is going to be my own Christmas present to myself!

Review posted by Jenna Fenton

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I really love my new job as a trainee Estate Agent but it really doesn't pay well until I have got a bit more experience. So when I needed to get a personal loan I didn't think I'd have much luck unless I went to one of the payday lenders that I have used before.When I told my boss what I was planning to do she hit the roof (in the nicest possible way) and told me not to be so daft and to just go to the Post Office for my loan. Did I know that the Post Office did loans? No I didn't but I am so glad that I know now because they have just approved a loan for me with a monthly repayment amount that I can easily afford even with my low salary.I can't wait to tell my boss about the loan and maybe she will put in a good word for me and I might get a pay increase as well which would be just great but I'm not getting my hopes up on that one just yet.

Review posted by Milly Jay

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Getting my loan from the Post Office wasn't the easiest or quickest way of borrowing money but it has turned out to be the best for me because it means I have gone down the responsible lender route rather than the dodgy ones that I have used in the past.This loan is for me and my son to be able to move into a really nice flat and furnish it to a decent standard and I wouldn't have been able to afford it without the Post Office loan. My low wage wasn't a problem and the Post Office aren't charging extortionate interest rates so I feel really happy that I have finally found a reliable and trustworthy lender so that I don't have to resort to borrowing from lenders that don't really care how much trouble you might be getting yourself into when you borrow from them. The Post Office loans people aren't like that and that is really nice to know.

Review posted by Joanne, Bromley

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I applied for this loan from the Post Office just before Christmas and wasn't really expecting to get it in time but that isn't a problem because now that they have transferred the money into my bank account I can pay all my bills and be ready to start the new year debt free and ready to face whatever 2016 has in store for me.I don't earn a great deal in my job as a hairdresser but I love what I do and this loan is affordable and by the time it is paid off I will have all my qualifications to be a stylist which means I will be earning a lot more but it is good to know that the Post Office loan option is there for me if I need to find that extra bit of money again.

Review posted by Karen A., London

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I applied for a personal loan with the Post Office when I heard my sister had just got one from them in time for Christmas. I didn't need the money for Christmas but I knew I would need the money sooner rather than later because my car was on the way out and without my own transport my job would be suffering.I got my sister to help me with the application as it would appear this wasn't her first loan from the Post Office and she is a bit of an expert now. Between the pair of us we got the application done and when the paperwork landed on my doormat less than a week later I was very relieved because the car did what it had been threatening to do for weeks and that was conk out completely for the last time and cost me more than it was worth in scrap metal to have it towed away.I really don't know what I would have done if I hadn't got this loan from the Post Office and I am very grateful to them and to my sister for her help and good advice. I owe her one as she keeps reminding me!

Review posted by Ray Adler

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I am going to treat my grandson to new trainers as a way of thanking him for helping me with my online application to the Post Office for this loan. I am not that great with the internet but I can get by with a bit of guidance from him.I wanted to take out the loan so that I can afford to go on a trip to New Zealand to see my sister and her family and I didn't want to use up all my savings doing so. The Post Office loan was the ideal solution for me and making the repayments each month won't be a problem at all as I have two very good pensions that see me alright since my husband passed away last year.This trip to New Zealand is going to be a bit of an adventure for me as I will be travelling on my own for the first time but my grandson says I will enjoy every minute of it and I think he might be right about that but I wouldn't be doing it without the help of the Post Office loan and so I really do want to thank them as well as my grandson.

Review posted by Betty Marsden

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Thanks to the Post Office for this loan. I had tried several times to get loans before and never had any luck and just ended up borrowing off my mum and dad. I didn't want to do that again and so when I asked my best mate for advice she said to try the Post Office because she had had several loans from them herself and she earns less than me so I would stand a good chance of getting approved.She was so right and I couldn't wait to tell her about it so that she could pull that weird face she always does when she wants to say I told you so but doesn't dare.Joking aside, the fact that I can get a loan from the Post Office when I earn less than 10k p.a. is the best news ever and if only I had known about the Post Office doing loans sooner I wouldn't have had to suck up to my parents quite so much!

Review posted by Erin Lewis

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I got the money to buy a new car and I got it from the Post Office. When i told my mates they didn't believe me and I had to prove it to them or else they would think the car wasn't mine and that I had just hired it for the day. I have been known to do that before to impress the girls and I was kinda getting fed up with the pretence and wanted to finally own a car of my own and not just some old banger but one with a bit of street cred.As soon as the money came through from the Post Office my dad took me to a car auction and that's where I got my new car and having the money to be able to bid for it was such a buzz and I'll remember that every time my monthly repayments are coming out of my bank account and that should soften the blow a bit.

Review posted by Felix,

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Being able to get this loan from the Post Office has been such a relief for me because I thought once I had applied online they would reconsider their initial approval and I would have to look for an alternative lender.Because I am retired now I thought my income from my pensions might not be sufficient for them to consider me for the loan but of course I realise how silly that was because my pension is guaranteed every month so the money is always going to be there to make the repayments.I am much happier now that I have signed and returned the loan documents and as soon as the money arrives I will be able to pay for my flights to Canada to see my sister. I can't think of a better way to start the new year off and I am very grateful to the Post Office for making their loans available to retired people like me.

Review posted by Imelda R.

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I know enough about interest rates to know that the Post Office loans aren't the most competitive when compared to the many other lenders on the high street. But I also know that without the Post Office Loans considerably lower earnings threshold people like me would struggle to get a loan anyway.The higher APR on my loan is a price I am willing to pay because without the Post Office loan I have just got my wife and I would not be able to afford to go on the trip of a lifetime to South Africa. We wanted to do this trip with all the exciting excursions that it will include such as safaris and visiting the wonderful wine regions before we got much older and thanks to the Post Office our dream is about to become a reality.

Review posted by Derek J.

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Paying a higher APR on this loan was justifiable in my opinion because being able to get the loan in the first place in spite of being semi retired and on a much lower income was the most important aspect for me as I found most of the other lenders were stipulating much higher incomes from their borrowers.Also, being able to take a repayment holiday at the start of the loan period and half way through just made it all the more acceptable to me especially so soon after Christmas. I won't have to make my first repayment until February which will give me a bit of breathing space. Thats why I chose the middle of the loan period as well because it gives me a month free at a time when I hope to take my summer holiday. Which is why I took the loan out in the first place and having just booked it online a few moments ago I thought I would take this opportunity to stay online and thank the Post Office by way of this review.

Review posted by Dave Dewhurst

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Thank the Lord for Post Office loans, without them I would be struggling to find another lender as no one else seems to want to lend money to retired people on lower incomes.That is probably why most of my chums down at the bowls club have had loans from the Post Office as well. We all encounter set backs with certain things because of our retirement status and low incomes but that shouldn't mean we get discriminated against by the finance industry, but we do.Anyway I mustn't grumble too much because the Post Office Loans is a great thing and its available to almost everyone including us OAPs and so long as we can get our loans from them we don't need to worry about the other lenders.

Review posted by Brian F., Solihull

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I do not earn a lot of money but I am a reliable person and very honest.A few months ago I was in need of some extra cash as my wife had twins which we did not expect, so suddenly our expenses doubled.Although we were given lots of nice clothes for the babies, there were other things like prams, walking rings , cots, etc that we needed 2 of.I went to our local post office and asked for a £2000 loan.The positive answer was instant, but I then had to send away the requested documents and in less than 1 week our money had been made available.I have nothing to say against the Post Office and their staff.Grateful.

Review posted by Pater Yates

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Most people probably think the way I did too....that the Post office is not the right place to ask for a loan, rather approach a bank.Well, I was of the same opinnion.I earn just over £9000 per year and when I needed to borrow £3000 back in summer, I applied to 3 different banks for a personal loan.I was refused the loan with all of them, reason being that my salary was too " low".I was not impressed as I do not have any debt whatsoever. Even the car I drive was paid for in cash.I felt this was unfair.A friend suggested I try the post office, which eventually I did.I made the application on line, waited for 3 days for the decision which was positive and after sending the documents requested by post, I received the money I had asked for.The interest rate is fixed so I know exactly how much I must pay everymonth and they followed the promised procedure.I can recommend the post office if you have low wages.

Review posted by Lara Irvine

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Not too long ago, about 3 years or so, I needed £6000 to make alterations on my house.I spoke to the Post Office to ask to borrow the money, as I feel that they are less complicated than the banks, their interest rates are fixed and they allow you to pay back the loan before the due date, if you able to.Fortunately my daughter just sold her house, making a good profit, so she decided to pay the debt I had to the Post Office.She wasnt sure if this was allowed, as most banks prohibit it , but the Post Office said it was no problem and verified what I had indeed told her to be the case.They charged me a little interest penalty but agreed.I now no longer have a personal loan with them, but can vouch for the way they conducted business, always being fair and never charging me any other unexpected fees.To anyone doubting their lending ability, don´t. They are ok.

Review posted by Patrick Mc Fadden

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I noticed that the APR rate at the Post Office is not as low as it is with some banks, however, it is a fixed rate, meaning that we never get bad " surprises" of seing our installments go up, when the Bank of England raise their base rate.Just for this reason, and the fact that clients CAN if they want, pay off their loans before the time, with only a small charge, it makes it worth it to borrow from them.I borrowed £2000 over a period of 3 years and I was not given any hassle when I applied.After sending off all the documents and they were checked, the Post Office proceded to transfer the required funds to my bank account with no delay.Everything runs smoothly every month and its allways the exact same installment.Furthermore, my salary is low, so Im sure that the banks would have refused my loan, so I have nothing to say about the Post Office financial side.They dont just deal with mail, those days are gone!

Review posted by Maureen Reeks

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My daughter is getting engaged to a nice Irish young man in february, so my wife and I decided that we would pay for the engagement party.We will have family coming from all over the UK and as my daughter and her fiance are still young, we are, with pleasure paying for the party.We do have money saved in the bank, but we made the decision to apply for a personal loan with the Post Office, because we heard that they are more flexible than most banks and less complicated.It stops us having to dig into our savings.We only needed £2500, and were happy to pay it over 3 years, to keep the monthly repayments low.I can now, after having the loan approved and the funds credited to our bank account, say that the Post Office were really good and professional.I would, if we needed, use them again .

Review posted by Don Badger

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I got engaged to a lovely girl in November this year.She chose a diamond ring that was a little out of my reach, as it was rather expensive, but as its a life time piece of jewelery I decided to offer it to her.I was going to be spending a fair amount of money at Christmas time as I was also taking her to Madeira Islands for Xmas as an engagement gift, so I made the decision to borrow just £2000 from the Post office so that I would not be under pressure.Not only did they approve the loan, they also did something that I was very impressed with.They allowed me to select what they call a "payment holiday month" meaning that in December I did not pay my installment to give me breathing space.I know the Post office is for mailing letters, but now they also lend money, which is nice.

Review posted by Neil Williams

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I thought my cousin was taking the piss when he told me that he had borrowed some money from the post office to buy himself a car.I really did not believe him, until recently when I was on line on the readies.co.uk site, doing comparisons between many banks, whilst trying to find the best lender that I could approach.I saw the Post office on the list and out of curiosity I filled in the on line application form and asked to borrow £3000 as I too wanted to buy my first small car.Much to my surprise, they gave me an instant positive reply and asked me to post some documents to the post office and wait.I did so, and in no more than 4 days they had transfered the £3000 to my current bank account.I was shocked, specially as I earn bellow £10 000 per year so did not hold out much hope of a loan being granted.They seem to be more flexible than most banks.Hurray, Im getting my car.

Review posted by Sunny Van Prooyen

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I know I am paying a much higher APR on this loan from the Post Office but I am probably considered quite a high risk because of my low earnings which is why I wouldn't be able to get a loan from most of the other lenders. So a a not quite so competitive loan from the Post Office is better than no loan because I needed the money no matter what.What the Post Office have done to soften the blow of the higher APR is to give me the option of repayment holidays which are going to be a great help and will give me time to catch up with my outgoings especially before and after Christmas. This loan is to pay for my Summer holiday so I have opted for a repayment break in July when I am sunning myself on the beach without a care in the world thanks to the Post Office.

Review posted by Cassie Jessop

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My Post Office loan is to pay for my visit to Portugal in the Spring with a group of friends from my local social club. It will be my first trip abroad since my husband passed away two years ago and I am very nervous but very excited as well. We will be staying in the beautiful city of Lisbon and then travelling by coach down to the southern region to visit the historic city of Silves with its marvellous Cathedral and medieval castle. Its a trip my late husband would have enjoyed immensely and I am sad he won't be sharing the experience with me but I am sure he will be with me in spirit.I wanted to say how pleased I am to have been able to borrow the money to pay for this trip because it would have made quite a big dent in my savings but my pension is more than enough to be able to afford the monthly loan repayments so it seemed the most sensible way of paying for this trip. My family and friends agree and say it is money well spent as we can't take it with us when we go!

Review posted by Maude B.

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I couldn't wait to ring my daughter to tell her that the Post Office had approved my loan. She helped me fill out the online application in her lunch break but couldn't wait to see if I got the approval.She seemed as delighted as me when I told her which was lovely because I was taking out the loan to be able to join her and her husband and my grandson on a holiday to Orlando. When my daughter was growing up we could never have afforded to take her to places like that so I think the holiday is as much for her as the grandson and she really is just a big kid at heart so it will be lovely to see her let her hair down and enjoy every aspect of it although she won't be persuading me to get on any of those scary rollercoaster rides. I'll be content staying on the ground taking pictures of them all.Thank you Post Office loans, it really has made my day getting the approval for the loan and I'm almost as excited about this holiday as my grandson who is already begging to pack his suitcase even though we're not going until July!

Review posted by Audrey Collins

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Now i no the Post Office is the best in the world because they have given me this loan and that means i can take some time off work and visit my family but still be able to pay my bills and spend some money on gifts for my mother and my father. My good friend told me about these loans and i have been living all these years in London and never new about them but i am very glad that i no about them now. i wont be able to afford trips back home for a long after this one so I will make the most of every day i am there and will cry when i have to leave even though I have lots of friend hear that are very good to me.

Review posted by Pedro Sanchez

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I was soooooooooooo happy when the Post Office said yes to my loan application. My mum had to stop me jumping around the room and spilling coffee on her carpet. I have never had a loan before and I wouldn't have been able to get this one without my lovely mum's help. She helped me with the online application and advised me not to try and borrow too much and I was so happy to be approved the loan to pay for my holiday to Marbella that I felt like I had won the Lotto.My mum has warned me to be sensible and responsible with this loan and not to spend any of my wages each month until the loan repayment comes out of my bank account first and I have promised her that I will. She would be really upset with me if I went back on my promise and I would never upset my mum if I can help it so she doesn't need to worry.

Review posted by Becky Pendleton

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My Post Office loan is going to pay for my girlfriends engagement ring which I am hoping to buy next week. I want to propose on Valentine's Day and I started my loan application in plenty of time so as to make sure I got the money in time.The Post Office were really quick once I had signed and returned all the paperwork and so I have plenty of time to shop around for the right ring in my lunch breaks. My option to take a repayment holiday will come in really handy also because it means I can splash out a bit on a nice dinner too because I won't have to make the first monthly repayment until the end of March. Game On!

Review posted by Harry Davis

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It was a bit of problem for me applying for this loan from the post office but my friend at work helped me and we used her laptop during our lunch break to apply. she was the one who told me about the post office doing loans for people with lower incomes because she had got a loan from them herself. we had to wait abit after we applied because they were checking my credit history which I didn't really understand but she explained that if I was in a lot of other debt then I wouldn't get the loan but I knew I wasn't so I didn't worry too much but I was still really excited about the prospect of being able to borrow enough money to buy my other friends car that she was selling because she is expecting a baby and needs a bigger car.My loan isn't going to be a problem paying back because I only needed half the money as my parents were paying the rest so in the end this is the best result for me and I am really happy that the post office were able to help me by giving me the loan. my friend at work said I should post this review to say thanks and we're doing it on her laptop again.

Review posted by Jemma Sanderson

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the post office are great for giving loans to people who need it but aren't earning lots of money. as long as you can afford the monthly repayments they will give you the loan. if you owe lots of money to other people then you wont get the loan because the post office have to make sure you will have the money in your bank each month when the repayments are due. I have just moved back home with my parents and I have a lot more money to spare so I can afford this loan. my parents are happy that I got the loan because it means they don't have to lend the money to me so that I can go to Spain with my friends for my best mates stag weekend. He a mug for getting married so young and we've told him so but we still want to make sure he has a stag do to remember.

Review posted by Darryl, South Ockenden

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I haven't stopped telling people about my loan from the Post Office because I am so pleased to have been given it when I am only earning such a small wage.The Post Office wouldn't lend me the amount I first asked for but when I realised how much I would have to pay back each month I was glad that they said no. I really didn't need that much but I thought if I could afford it then it might come in handy once I had paid the bill for the car to be fixed which is what the loan was for in the first place.So really I just want to say thank you to the Post Office for this small loan to get my car fixed and now that I know they will consider me for a loan I will get this one paid back and think about what I could use another loan for in the future.

Review posted by Linda Friar

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As soon as this loan from the Post Office is paid off I will be applying straight away for another because I have so much that I have been putting off due to lack of money and now that I know I can afford a loan with the Post Office on the wages I earn it has given me a boost and made me feel that hard work isn't wasted when you can make the most of your earnings as small as they might be with a the help of a loan now and then.I am going to put this loan to very good use by booking a holiday for me and my wife as we haven't been abroad since our honeymoon 12 years ago and we have always wanted to go back to Majorca where we had the best time ever. It may have changed a bit since then but so have we so we will enjoy comparing it to our honeymoon photos when we get back with our holiday snaps.

Review posted by Keith Davids

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I went online to find a loan company and nearly all of them were out of my league because I don't earn much money. I didn't want to borrow a lot just enough to pay off my credit card bill which I went a bit mad with over Christmas and the rest was to put a deposit on my holiday. I am hoping to share a villa in Spain with some friends and we needed to book it sooner rather than later. It was looking as though I wasn't going to be able to do either of those things until I came across the Post Office on the loan comparison website. They give loans to people like me and yet nobody had told me about them.Well it doesn't matter now because better late than never i have applied for a loan with them and they have approved it. I should have my money within the next few days and I can pay off my credit card bill in full and pay the full amount for my holiday because the Post Office have given me a repayment holiday option which I have jumped at because it means my first repayment isn't due until March.

Review posted by Jade Adams

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I am just an apprentice bricklayer and I don't earn a huge salary like some of my friends who work in banks but I don't mind because I like my job and I like working outdoors.My only drawback has been trying to find a loan to pay for my first holiday abroad with my mates. The ones with jobs in banks. They either don;t need the loans or they don't have any problems getting one. Well now that is no longer the case for me because I have found out about the Post Office giving loans to people on a low income and I have got my mum to help me apply for this loan which has just been approved.I am so happy that I can go on this holiday and I won't be telling my mates where I got the money from I'll just let them think I am earning as much as they are.

Review posted by Luke Gardiner

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While I was standing in line at the Post Office the other week, I was reading their advertising posters and was amazed to find out that the Post Office gives personal loan. They stated that their approach to lending money was more flexible than some of the high street banks, well that was a surprise. When I returned home I went on line to read more about the qualifications you needed to apply for a loan.I thought I would give them a try to get a personal loan for a trip I wanted to make, so I pulled up their application and duly filled it in. I submitted the form and after a day or two, they did respond and said I had been approved pending their receipt of the loan documents and them being checked out. I could not be more pleased. I sent back the loan documents and by the end of the week, the money was in my bank account. Pretty cool I thought.

Review posted by Derek Tomey

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I was researching on the computer possible loan companies, banks and different types of financial institutions. Their terms and conditions are all so variable and I wanted to get the best deal I could. I had decided to make a very important purchase, an engagement ring for my special lady and I did not want to skimp on the ring. I thought a personal loan would be a good way to go, so I could take a bit of time to pay it off.The best terms I could find were believe it or not, the Post Office. Amazing, I guess I did not really know they loaned money until I read up on them.I went on line to their website and read more details and finally decided to make an application to them for a personal loan. I received an instant decision, which was really surprising and they said they would be sending me loan documents to review and sign. I received their package within a few days, signed the docs and sent them back. I had the money by the next week and started to look for that ring. Great people to deal with.

Review posted by Jon Stills

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A girlfriend told me about a loan she had acquired from the Post Office which really surprised me, I had no idea the Post Office gave loans. I needed to consolidate some debts and had been thinking about getting a personal loan so that I could just make one payment to a financial lender. I had not consider the Post Office but was thinking more about a bank. My friend said it had been an easy process and she had been given some good rates, so I decided to go on line and see what they could do for me.The application was pretty easy and I was interested to see that if you wanted to take a repayment break you could. I submitted the paperwork and within a few days I received a response. Pending approval of my signed documents, I would be granted a loan, and I was. That was a simple process and I needed to tell other folk about the Post Office.

Review posted by Polly Trubridge

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Our wedding plans were coming along nicely but so many vendors wanted deposits that our savings were going quickly. We needed an injection of money to help defray the costs for a while so we decided to look at lenders to get a personal loan. I was mailing some 'save the date' cards and noticed that the Post Office offered loans. I guess I was not aware of their lending abilities, but when I got back home I went on line and found out more information.I was impressed with what I learned and after talking with my guy, decided to apply for a short term loan to help with our expenses for the wedding. I have to report it was a quick and easy process and application. We were approved instantly and after sending back the signed loan forms,the money was deposited into our account by the following week. Brilliant, thank you the Post Office.

Review posted by Suzanne Olney

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I had driven into a dealership the other week and found the car I had been wanting to upgrade to, the trade in for my existing vehicle left me a bit short and I needed to find some cash to finish the deal. I left a deposit with the dealer so he would keep the car for me, went back home and started to do research on lending institutions.I was looking at the Readies.com site and found them really helpful to make comparisons on lenders, it made life easy and I went for the Post Office whose terms and conditions seemed to fit my bill. I filled out the application and received an instant decision. They said they would be sending the loan documents and upon receiving them back signed, would check out my credit rating and background. By the next week I had the funds in the bank to finish my car transaction. Fantastic, good place to do business the Post Office.

Review posted by Cliff W.

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My loan from the Post Office is approved now I am posting back the paperwork but I really wont believe it until I see that money in my bank account. I have never had that much money before and I never thought I would get a loan until I heard about the Post Office loans and looked at their website.My loan is going to help me pay for an intense course of driving lessons and with the deposit on a flat I am hoping to rent with a friend. I never dreamed that 2016 would start with me having driving lessons and having my own flat but it is and it is all thanks to the loan from the Post Office. Maybe my next Post Office loan will be to buy a new car. I really hope so although if I pass my test I will be happy to drive anything on four wheels so long as I dont have to get a bus to work ever again!

Review posted by Ashley Brookes

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My wife and I took out a Post Office loan in 2014 to pay for our first ever holiday to Spain and we loved it so much we said that as soon as the loan was paid back we would take out another loan so that we could go back to Spain and have another superb holiday.So that is what we are proposing to do with this loan and we think we will enjoy it much more this time because we have both been learning a bit of Spanish and we are hoping to impress the waiters with our Spanish because they spoke such good English that we felt we really should make the effort to learn their language. However we will still bring our phrase book with us just in case of emergencies.

Review posted by Bob Foster

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I am only 18 years old and battled to get a £2000 loan when I was in bit of a difficult situation last month because of a fine I got. I have a decent job and earn a not so bad salary of about £8000 a year. I do not think its fair that I was refused a loan by 3 different banks. After so many refusals I contacted the Post Office as I was informed that they are not so strict and give most people a chance. Indeed they said yes to me and lent me the much needed money. I will be paying them back in a 3 year period. I am writing this to let other people know that the PO is not prejudice and they are the ones you should apply to immediately, not even wasting time with the so called " big" banks. Thank you PO.

Review posted by Paul Govender

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Not ever, wilI I try again to apply to a traditional bank for a loan. They are full of nonsense, most of them, with their red tape and confusing misleading information. The Post Office were so different. They use terms that we "layman" understand and make it easy to understand the procedure when we apply to borrow money. After much frustration with some banks I was able to fill in a loan application with the PO requesting a £3000 loan to repay over 4 years. They approved it, I signed all the paperwork and I received the bank transfer. Short and sweet. Easy. In less than 1 week it was all finalized and efficiently. They are great. They don't just deal with our mail. They kick butt!

Review posted by Erickson Darling

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I am embarking on my second loan agreement with the Post Office and I do hope it will all go as smoothly as the last loan did. I am sure it will because they were very efficient with the last loan and I got a very affordable monthly repayment plan that fitted in with my pension.Before I knew it I had paid the loan back and I really didn't miss that money each month. If that is the case with this new loan then I will be more than happy.This might be my last loan with the Post Office but only if I am lucky enough to win the Lotto, otherwise I will use their excellent services again when I need some extra cash.

Review posted by Peggy Rawlins

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My wife and I are delighted that we got this loan from the Post Office as we thought we might not be eligible because we are both retired now. Fortunately the Post Office are very openminded with regard to the older generation and they were happy to approve our loan based on the income from our pensions. We aren't borrowing a huge sum of money and it will only be a one year period for paying it back but even so we know that there are a lot of banks, our own one included, that might not be so keen to lend money to the older members of the public. Thank goodness for the Post Office my wife says and I have to agree with her.

Review posted by Ron Murgatroyd

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I work in a hair salon as a junior stylist and the pay is not too great but it will be better when I am a fully trained senior stylist so I am sticking with it. I make a bit of extra money doing friends and families hair and I need a car to be able to get to them easily especially as most of the appointments are at night after I finish work at the salon.My car kept breaking down and I needed the money to replace it but my bank would consider me for a loan because I wasn't earning enough at the salon. Then I found out that the Post Office did loans for people on a low salary and I got straight on to their website and applied for one.It took a about a week for the loan to go through and for me to get the paperwork signed and returned but once that was done I had the money in my bank almost immediately and I am so happy to be able to go out at the weekend with my dad to look for another car and I wouldn't be doing that without the Post Office loan.

Review posted by Kirstie P., Bexleyheath

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The Post Office are great because they give loans to people when the banks won't. They gave me a loan even though my wages aren't very high as a an apprentice electrician. I was told that the Post Office did loans by my mates mum. She showed me how to apply for one online and then the next thing was to sign the paperwork when it arrived and post it back which I got my sister to do because she works in an office.Without the loan I wouldn't be booking my holiday to Las Vegas with my mates and if I win a lot of money at the casinos when I'm there I won't need another loan for a while but if I do and I am still just a humble apprentice I will go to the Post Office again.

Review posted by Ryan W., Romford, Essex

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I think we are blessed in the UK as far as choices are concerned to borrow money. I lived overseas a few years ago and it was a struggle to find a bank that would readily lend you money. Here in the UK we have dozens of institutions offering you all types of deals. When I needed £2000 last month I went on line to readies.co.uk and was able to compare all the banks and pick the one I felt suited me best. Funny enough I actually picked the POST OFFICE as they surprised me in more ways than one. I now have my loan and can confirm that the procedure was smooth and their conditions good. Dont be put off by the fact they not a " real" bank.

Review posted by Phillip Mc Carthy

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I am so happy that I got approved for a loan from the Post Office. I have not quite taken it all in really but I know that without the Post Office offering loans to people like me that are semi retired now and only earning a part time wage my dream of going to Australia to visit my sister and her family would not be coming true this Spring.My good friend at work told me all about the Post Office doing loans for people on a lower than average income and I couldn't wait to get home and see for myself what the Post Office were offering with regards to personal loans.I didn't hesitate to make an application once I had read some of their eligibility requirements. I seemed to fit them and so that was incentive enough for me to get straight on with applying online there and then.As soon as the paperwork arrived I signed it and got it straight back in the post to them. Here we are just over a week later and I have the loan and can get on with booking my flights to Australia.

Review posted by Jan S.

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Thanks to this very nice loan from the Post Office my wife and I will be able to join our friends at the Bowling Club on a guided tour of the wine regions of France this Spring. We really couldn't have funded it out of our savings or our monthly budget.We didn't think we could afford it on our pensions but we knew we could afford a personal loan from the Post Office. It is lovely to know that there are loans like this available to people on a pension or a low income because I think being able to borrow money shouldn't just be for the better off members of society and it would seem the Post Office agree with me.

Review posted by Trevor H., Harlow, Essex

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My mates and me want to go on one last proper girlie holiday before we all settle down. We all have steady boyfriends now and two of them are engaged.We want to go to Las Vegas and the only way I could ever afford it is to get a loan. Only recently I found out about the Post Office doing loans and that people on a lower income would be able to apply so I gave it a go and to my shock I got approved for a loan that would be more than enough for my trip to Las Vegas and I'd still have plenty left over to buy some nice new clothes for the trip.My boyfriend helped me do the online application because he was worried I might mess it up or end up borrowing more than I could afford to pay back but the Post Office were quite strict about that and I couldn't have borrowed more even if I wanted to. The Post Office are lending me what they know i can afford to repay easily which is a bit of relief. I'm just going to enjoy the holiday and make sure the repayments are made each month so that my boyfriend or my parents don't have to bail me out .

Review posted by Kelly Richards

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We have taken out a Post Office loan to help with some bills that our daughter is struggling to pay on her own since she divorced last year.We know she will be in a much better financial situation once she qualifies in her job and that she will do her best to pay us back. We don't really want the money back we just want to help her and we can do that with this loan from the Post Office because it is affordable even on our limited income since my husband took early retirement due to ill health.We wish we were borrowing this money for happier circumstances but so long as our daughter can get herself back on her feet and get her full nursing qualifications it will all have been worthwhile for us.

Review posted by Mrs & Mrs A., Forest Hill

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I am delighted that my personal loan from the Post Office has been approved and that I can go ahead and book my flights to visit my niece and her husband in Portugal. They live in a very lovely part of the country right by the sea by all accounts and they send me lots of lovely photos of them on the beach and keep asking me to come and visit them.So my New Year resolution was that I would get a loan and use the money to go and visit them this Spring. Apparently it gets very hot in the Summer so my niece advised me against coming out in the Summer months because she knows I suffer with my health and don't like to be too hot.I chose the Post Office for my loan because they are very good at giving loans to people on a low income and as I only have my pensions now that was the only way I could borrow the money. I have borrowed enough for the flights and should have a bit left over to buy some nice souvenirs for my friends who are very envious of me at the moment. I do wish I could take them all with me but they'll just have to make do with a postcard!

Review posted by Mrs Carstairs

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I think it is marvellous that the Post Office do loans. I would normally use my bank for such things but the Post Office are offering loans to those that would normally be refused a loan by their own bank and since I've retired I think that I might fall into that category now that I just have my pensions as income.I don't suppose I'll be taking out many more loans in my lifetime so I thought I'd give the Post Office a go and see what happens. I only needed a small loan to pay for a holiday for me and my wife and she was delighted when I told her what I was planning. We haven't been on a plane for a few years so we are looking forward to that almost as much as the holiday.I am pleased that I went with the Post Office for the loan and even more so now that I have been given a yes and not the dreaded refusal!

Review posted by Gordon Clegg

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We were very apprehensive when we applied for our loan with the Post Office as we had never had a loan for any great sum of money before and the loans we have taken out over the years were from rather unscrupulous lenders but we thought we had no other alternative at the time.Today there is so much more choice for people looking for loans but for those of us on lower incomes the choice is still much less. We are glad the Post Office do loans because we would never like to find ourselves borrowing from those sorts of unscrupulous lenders again and hopefully we won't have to.

Review posted by J. McCordle

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Thank you Post Office loans you have made my day with this loan. I applied for it when a friend told me that they give loans to people on a low wage and that is sure the case with me but i know what I can afford to pay back with a loan and the Post Office seem to think I am good enough to give me a loan but my bank wouldn't but they are happy to take my wages each month. I think I might get a post Office account and have my wages paid into that instead of letting my bank have it. they give me nothing in return so why should I let them make a profit from me.

Review posted by Jodie Mason

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With this Post office loan I now have the cash to buy my mates secondhand car when he takes delivery of his new one that is on order. He said if I could guarantee that I could get the money by the end of the month he would give me first refusal. It's a really nice car and still in really good nick so a lot of people are interested in it as well as me.I got a loan from the Post Office but I was late sending back the documents and I thought the money wouldn't come through in time but it just has and I am really happy because I haven't let my mate down and his new car is being delivered tomorrow which means I'll be driving my 'new' car by next week once I get the insurance sorted out.

Review posted by Jason, Hornchurch, Essex

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If it wasn't for the Post Office giving me a loan I would probably have had to beg my parents for the money and they would have said ok eventually but then they would start telling me to pay it back by doing work around the house and quite frankly I'd rather take out this loan and pay the monthly repayments than have to clean my parent's cars and mow the lawn etc.I haven't told my parent's that I have applied for this loan because that would involve a lecture of some sort and they'll find out soon enough when I am packing my suitcase to go on holiday to Marbella with my mates and they ask me where I got the money from. I can't wait to see their faces!

Review posted by Pat Walker

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I found the Post Office loans website after going right through all the other lenders on the loan comparison website and I wished they had been top of the list because it would have saved me a lot of time. Anyhow I am glad I finally got to them because they have said yes to a personal loan for me and all I have to do now is wait for the paperwork to arrive and then sign it and post it back which won't be a problem because I work next door to our local post office. By this time next week I should have my money and I can't wait. I'll be crossing the days off on my Justin Bieber calendar.

Review posted by Carlie Westcott

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I only learned that the post office give affordable loans to people on low incomes when I spoke to a neighbour of mine about how she managed to afford so many holidays each year. She told me took out her post office loans and then booked her flights in advance.I don't think I'll be using my post office loan in that way because I couldn't be that organised but I will be using this loan to pay for a new kitchen which is something that has been the top of my wish list for ages and is now going to finally happen thanks to the post office.My neighbour can have as many holidays as she likes because I am going to be more than happy with my lovely new kitchen which I shall take great pleasure in showing off to her when it's finished.

Review posted by Mrs Dawson, Lewisham

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I was astounded when my friend told me she had received a personal loan from the Post Office. I had no idea they did that. We had been talking about paying off debts and consolidating and that's when she mentioned she had done just that.She urged me to try them and said it could be done on line. So last week I went on the computer and pulled up their website. I studied their comments and the criteria you needed to meet. I believed I fit the bill, so I filled out the application and waited to see if I got a reply. Low and behold they came back instantly and said they would be sending me the paperwork to fill out.Well that was pretty easy and it appeared I did qualify. So when the paperwork came, I signed and sent it back. By the end of the next week, the money was deposited into my bank account.

Review posted by Mark Tingley

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I was mailing out some 'save the date' wedding announcements last week and while standing in line, had a read of the posters on the post office boards. I was surprised to learn that the Post Office grants personal loans.When I got home I talked with my guy about getting a personal loan to pay for some of the wedding expenses that were starting to come in. We thought if we could just get a small loan in the short term, it would help us financially. We liked the idea of being able to take holiday breaks too, just in case things escalated beyond our control.We made an application and hoped for the best. Well we were not disappointed. In a couple of days I got an email saying that we would be sent some documents to complete and sign pending a final decision. We were lucky and they did approve us. We could go ahead with our plans sooner than expected thanks to the Post Office.

Review posted by Susan Wilcox

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I needed a short term loan to make a special purchase. I hoped my girl would say yes when I produced the ring I had selected. I was looking on line at different lenders, gosh this was starting to be quite a chore. There are so many out there. I came upon the Readies website and they practically did the job of comparing for you.I was really interested to see that the Post Office granted loans, I liked what I read about their terms so decided they were the one to try. I completed the forms on line which were simple and understandable. I waited for a reply. In two days, I heard back and they said I had been approved pending checking out my credit history when I returned the paperwork they were sending. I was fortunate enough to be given a positive final decision and the money was paid into my account. This was pretty cool of the Post Office.

Review posted by Jeff S.

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I was planning on taking a trip to see some relatives abroad as there was a milestone birthday coming up for one of them, I did not want to miss the opportunity. I did not really want to use my savings so decided to take out a personal loan. I heard from a neighbour that he had taken out a loan from the Post Office and had been successful and it had been a no hassle procedure. This sounded very good so I thought I would give them a try too.I went on line and read up on the do's and don'ts and filled out the application forms. They did appear straightforward and I could understand all the questions. Within a few hours I received a reply and they said they would be sending me some papers to sign and they would be checking my financial background. I received the forms after a few days, signed and sent them back. I was granted a personal loan with pretty good terms, so I was really happy that I tried the Post Office.

Review posted by Aileen F.

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I got a bit of a financial shock a few weeks back when visiting the dentist, after extensive work had been done on my teeth I then discovered that the bill was going to increase substantially as more work had to be performed with crowns and the like. Good grief how I am going to pay for that lot I thought.Well when I got home I talked it over with the wife and we decided to try and get a loan to pay for all this work. We had received a personal loan from the Post Office a few years back and it had been a good experience to apply to them, so we decided to try them again. It probably helped that we had successfully paid back the loan previously, and after applying this time, they came right back with a potential approval. The paperwork arrived in a day or two and a day or two later the money was in the current account. Thank goodness the Post Office were there to bail us out.

Review posted by Frank Wells

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Where else would I have got a personal loan at my age and with just my pensions as income. Thank goodness for the Post Office that's what I say. Thank goodness they don't treat retired people like the banks do. And thank goodness they are still offering these loans through their local branches as well as the internet. My computer skills aren't too bad but I did prefer to pay a visit to our main Post Office branch in town and they were very helpful and dealt with my application in no time at all. I have the money now and just wanted to say thank you to the Post Office for not discriminating against the older generation.

Review posted by Mr Peter Wright

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Our Post Office loan has given us the freedom to get over the Christmas spell and plan and book our Summer holiday without having to scrimp and scrape to find the money. We also have the option of taking repayment holidays which we have chosen to do at the beginning of the loan and half way through. This option has taken the pressure off us even more and we will be able to make that first monthly repayment without any trouble at all.The next repayment holiday is when we are off on our holiday so that month will also be a easier for us. We'll have a bit more spending money which will be very handy. We can't afford to go abroad for our holidays every year but it's nice to know that we can afford to do it a bit more often with the help of a loan from the Post Office.

Review posted by Sally Armstrong

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Post Office loans where have you been all my life. I have missed so many opportunities to party in Ibiza with my mates because I couldn't get a loan from my bank because I only earn the basic trainee hairdressers salary at the moment. Now that I know about the Post Office giving loans I won't be missing out on Ibiza this year. I have borrowed enough for the holiday and some spare to spend on some new clobber. I can't wait until the Summer now and work won't seems such a drag now that I have Ibiza to look forward to.

Review posted by Kerry Duggan

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My post office loan has been approved and I have signed the paperwork. I don't know how long i will have to wait for the money to be paid to me but they have told me that the credit history check has been ok so I am hoping it won't be much longer to wait because I really need to get planning and find the right person to do the procedure I want to have done before my sisters wedding in June. She's had loads of stuff done already and I don't want to be labelled the ugly sister bridesmaid. My mum thinks Im mad but she thinks my sister is too so we are both as bad as each other as far as my mum is concerned. But she did help me apply for the loan so she can be that against it.

Review posted by RitaOraFan

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The Post Office loans service is a great way for people who are like me, retired and living on a a private pension until their state pension comes along. These days that seems to be further and further away for me due to being born in the wrong decade!But thanks to the Post Office I can still afford to borrow some money from time to time to pay for the occasional treat for my granchildren and this particular loan is so that they can all go to the theartre in London to see the panto before it finishes.I won't be taking them because I don't really think it will be my cup of tea but my daughters will be chaperoning all the children so they'll all be looked after.If I remember from the days when I did take my daughters to the panto they'll be needing some headache pills when they get home after all that shouting the actors encourage the audience to participate in!

Review posted by Mrs P., Leigh-on-Sea

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I heard the post office gave loans to people on a low salary but I still didn't think it would give me one because I my wages are really low compared to most people my age. But my friend convinced me to go onlone and check the post office out any way and then I saw that they give loans to people even earning less than me and I knew I was going to stand a better chance. I didn't find the application too difficult but I did mind having to sign forms and post them back. I thought it was all done online. Anyhow now that I got the money so quickly after sending back the forms I don't think I would find it so much of a chore the next time.

Review posted by Kris W., Upminster, Essex

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When I heard about Post Office loans I had to get straight on to their website and see for myself if it was true that they give loans to people on a low income. Fortunately for me they do give loans for people that wouldn't get them from a bank. You do have to pay a bit more interest on the loans but they are still a lot lot cheaper than the payday loans that I have heard about.I am only borrowing enough to pay for my holiday this summer but if this loan works out alright for me I will be getting another one as soon as I can because there are so many things I would like to buy but can never save up enough for.

Review posted by Lauren, Wood Green

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Apart from the delay in getting the loan paperwork to me the Post Office loan went really well and they were very helpful when I called their customer services to tell them that it had been over a week and the paperwork still hadn't arrived. They re- issued the documents and sent them by courier and they arrived the next day which is also the same day that the original paperwork arrived too! I didn't know whether to laugh or cry but I did see the funny side of it and the Post Office did too. They made up for the delay by making sure the signed paperwork got back to them asap by sending a courier to collect them and the now surplus original documents. I think they should have done that in the first place but I didn't like to say so. I finally got my loan and so thats all that matters.

Review posted by Gary Miller

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I had trouble getting loans in the past because of my partime work status but that's no longer a problem for me because I found out that the Post Office offer reasonably good loans to people on a lower income. They are by no means as competitive as the high street banks but if you can't get a loan from your own bank then you don't have very many other choices left.I would rather go with the Post Office than with one of the lenders that seem to specialise in loans for people who are desperate and take advantage of them with extortionate rates. The Post Office are still very fair with their charges and they make sure they work out an affordable repayment plan for you. So even though you are paying a little over the odds for your loan you are not being ripped off.

Review posted by Alan Yates

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Being able to get this loan and take a repayment holiday as well is more than I could have hoped for. I will have enough time to get myself ready for that first repayment and it will just get easier each month because I am using some of this loan to pay off some credit cards and a mail order catalogue bill that I still owe several hundred pounds on. I used it to buy Christmas presents and have regretted it ever since because it really has just been a worry to me ever since the first statement came through.I am really trying to organise my finances again so that 2016 is not all about having to find extra cash each month. with this loan from the Post Office I only need to find the money for one debt and that is going to be affordable, the Post Office have made sure of that for me.

Review posted by Cathy R., Luton

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All my friends take out loans and they are usually only payday loans. I don't think I would ever go to a payday lender now that I know about the Post Office doing loans for people that don't earn a huge salary. My steady full time job keeps me going without too many problems but I had been wanting to buy a nice secondhand car but was having trouble trying to save up for it.When someone told me about the Post Office loans I checked them out online and was really happy to see that I might be eligible for one of their loans. I got my sister to help with the application and I could hardly believe it when I got approval for it, then all I had to do was sign and post back the paperwork when it arrived a week later.I couldn't believe that within about two weeks I had my loan and the money sitting in my account and I have already found a really nice secondhand car which I am going to make an offer on at the weekend.

Review posted by Bobby Jackson

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We are going on our first cruise this Summer with the friends we have made at our local bowls club and we couldn't do it without the loan we have been lucky enough to get from the Post Office.It was our bowls club friends that told us about the Post Office loans and how you can be retired and living on a pension but still be eligible for one of their loans provided you have enough pension money coming in each month.We are lucky that we both have small private pensions as well as our state pensions and so we got approved for the loan easily. We were absolutely delighted and couldn't wait to let our bowls club friends know that we would be joining them on the cruise.

Review posted by Mr & Mrs K., Dalston

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I work for a small firm in West London and my bosses which are an elderly couple decided that they wanted to bring in an interior designer to change the looks of the office. She did a good job and before I knew it they were fitting new lighting, furniture, painting walls and re decorating everything in pastel colors. It looks lovely but it set my bosses back, £18 000. They could just have used their credit cards, but to my astonishment they went and take out a loan as they claimed that it would work out a lot cheaper to pay interest to the Post Office than to the bank that they held the credit card with. As I do their books, I see that they pay a fixed installment every month, no fluctuations. They swear by the PO, as they say they´ve taken out loans 8 times and have never been deceived. Based on this Im now applying for a £2000 personal loan and I hope I will not be disappointed either. Their experience has to count for something!

Review posted by Bryan George

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I have just got my first personal loan with the Post Office and I wanted to say I am please at the service I was given and I would recommend them to friends and family.I am not particularly good on the internet but i managed to fill out the online application without running into too many problems. In the end by the time I was ready to submit the application i relised just how straightforward the post office has made the loan application as I was sure I would have needed to have done more , but no , I was approved with them with out having to get to much information.When I received the loan documents i just had to read threw them and make sure everything was as it said it would be online. Then u signed them and posted them straightback to the loan shop so I could get the most important part , the money.The money was deposited in my personal bank account by the begining of the 5th day it was all handled very quickly and I am glad that I went with the post office.

Review posted by Miss Mandy Preston

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I am always in my local post office AA my daughter moved to portugal 4 years ago. They food is not the same out there so I am always send her packets of pasta and sweets and sauces and small things she likes. She decided that she reallyed this boy that she meet so they have decided to rent a place this year together and she needs some help , money wise. I sent some threw the post office euro account service but it costs me each time so I decided to ask her how much money she would need and then I could send the lot to her out there. She is still young only 21 years old she is still a baby to me so u am trusting her and I hope this all works out , it's been hard letting her go. She asked me for £2000 to buy a new bed and sofa and a few small things they need as she has sent me photos and I agree they look old and grimy. After spending so much time in the post office I decided the money that she needs I didn't have all of it free at this time as I'm the only one working. I applird with the post office for the extra money I needed to send to her so she can get everything she needs. I done everything with them in the post office it was done over the country it was a little weird but ut didn't take me long so I didn't mind filling in the application. The have arranged it to be sent to me daughter and it should be there in a day or two , thanks the post office for all there help.

Review posted by Gemma Hall

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I have just got my first personal loan with the Post Office and I wanted to say I am please at the service I was given and I would recommend them to friends and family.I am not particularly good on the internet but i managed to fill out the online application without running into too many problems. In the end by the time I was ready to submit the application i relised just how straightforward the post office has made the loan application as I was sure I would have needed to have done more , but no , I was approved with them with out having to get to much information.When I received the loan documents i just had to read threw them and make sure everything was as it said it would be online. Then u signed them and posted them straightback to the loan shop so I could get the most important part , the money.The money was deposited in my personal bank account by the begining of the 5th day it was all handled very quickly and I am glad that I went with the post office.

Review posted by Miss Mandy Preston

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I have a post office less than 5 minuets from outside my front door and I went in to see about a loan. They informed me that there didn't offer that kind of service in a small branch and gave me some information and told me to call up or go online. I told them I would feel better speak to someone in person as I'm not very good online and the checked the next branch to me that was bigger to deal with someone in person. I was a little disappointed that they offer so many services online but so few for them to people who are maybe slightly older and still want to speak to someone's face and not look at a computer screen.I like my local branch and the people who work there but I still feel all branch should offer more help to customers , I have had to get my son to help me write about them today. He also had to help me apply online as I had a little trouble doing this myself again this was another incovinence as the next branch who could see me this week was 40 minuets away.

Review posted by Kim

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So, the Post Office is no longer a place where one goes to, just to post letters and parcels....I now have found out...to my amazement!They actually give out loans too!What next? Will we be posting letters from the butcher soon? Ha Ha . I sure was stunned to find out.This new discovery lead me to applying to them for a £7500 loan, as after all, the post office is so near my house, that it was more convenient than going to my local bank.Besides, if not, why not? Provided the interest rates and fees were similar to banks, I was willing to give it a go.I asked how much my installments would be if I repaid them over 4 years and when they quoted me £180 odd, I saw that it was pretty much the same at the other 2 banks I had enquired at.I was sent documents to fill in and sign which I did and 5 days later the £7500 I needed, was credited to my bank account.So far so good...lets see what the future holds ...

Review posted by Brian Fletcher

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It will be the 2nd time that the Post Office lend me money. I like to work with them as I feel that they do not get up to mischief like most banks who almost always handle you with hidden fees. I needed £6000 to help my son with a project that he is working on, but as I would need to travel overseas where he is presently, I did not want to start paying the loan, straight away, in December. What they offer, " the repayment holidays" is a huge help, as it gives one the time to take a break from making payments after the loan is granted. Its a feature few institutions offer and a breath of fresh air. The Post office, once again, lent me the money and I will be paying them in a 48 month period. They are on the ball, though they are not a traditional bank.

Review posted by Frederick White

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MY brothers wife recently told him she wanted him out of her life and told him to take the kids whilst she sorted herself out. Not a nice attitude, specially as my brother went bankrupt recently and is going through a financial hard time. I told him to come live with us until his life was on track again, but I felt he needed a holiday to clear his mind. I decided to offer him and the kids a holiday in the snow, so they could have some quality time. I borrowed £2500 from the Post office at a good interest rate, fixed, with no hidden fees. I am happy to repay the PO over a 2 year period as the installment is low, just to give my brother a break. This letter is meant to thank the PO who were very quick at granting me the funds and simplified the process. Good to work with a reliable institution!

Review posted by Mona Green

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As I only work part time now, gradually working up to my retirement in 2018, I had some trouble trying to get a personal loan from my bank. I thought I would look at some other lenders before giving up. This Readies loan comparison website is a wonderful help to me and that is how I discovered that the Post Office gave loans to people on a lower than average income.I got a small personal loan from them without any trouble whatsoever and the whole thing only took a week. I am thrilled to have found a lender who will give me a loan and I know who to go to if I need to take out another loan in the future. I'll even be able to apply for a Post Office loan when I am retired which is so reassuring to know.

Review posted by Majorie Johnson

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Thanks to this loan from the Post Office I no longer feel like I am a hopeless case. After trying for several days to secure a small personal loan to allow my wife and I to take a trip abroad for a much needed holiday I was beginning to think it was not going to happen. Being retired with only a small income meant most banks and other big lenders were refusing me.When we discovered that the Post Office gave out loans to retired people on a small pension we were absolutely thrilled and couldn't believe we had finally found a lender after almost giving up hope.We want to thank the Post Office for this loan and we shall be sure to tell all our friends in a similar position as us not to despair just go to the Post Office.

Review posted by Harry Delderfield

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I always thought the Post Office were just for sending letters and parcels, so when I went in the other week to buy some stamps and saw a leaflet detailing the loans they had available, I was quite surprised. As a company that is not predominantly known for their financial services, I didn't think their rates would be that competitive, but I was certainly wrong. I for one am very happy that the Post Office decided to expand its services to the financial sector, because the level and quality of service I received when applying for a loan was actually very good.

Review posted by Astrid Wurley

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When using a typical loans comparison site, I was surprised to see the Post Office come up as an option to take out a loan with. Anyway I went ahead and entered my details into the comparison calculator, and to my even further surprise, it was the Post Office that came up as the company that could offer me the best deal. Maybe some people choose a money lender because of recommendations or previous experience, but for me what mattered was getting the best value for money, and I wasn't at all disappointed. It turns out these days that the Post Office is more than what the name would have you think!

Review posted by Eileen Focart

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The first thing that appealed to me about a loan with the Post Office was that you don't have to have a huge annual income like you do with some lenders. As someone that is on a steady income, but not a high income, it had been hard for me to get a loan in the past. At the Post Office they offer loans to people earning £8000 or more per year. For this reason, they already had my vote, but then when I was making my application, I discovered that you also have the option to take breaks from your repayments, or 'repayment holidays' as they call them. This is a feature I took full advantage of, meaning that I still had the money I needed for Christmas and birthdays.

Review posted by Erin Bunts

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Something I have always dreamt about doing is a skydive. I've been close to booking one a couple of times before, but really wanted to find a friend that was willing to do it too so I wouldn't be experiencing it alone. When my sister got given a sky dive voucher for her birthday from her husband, it seemed like the perfect opportunity, except her voucher was only valid for one month, and most of my pay cheque for that month was already accounted for. As this was an opportunity I really didn't want to miss, I decided to take out a short term personal loan. I've used the Post Office for other financial services before, so knew that they were a reliable and reputable company. I wasn't disappointed, and they made the whole loan application process easy and simple.

Review posted by Pat Seymour

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I didn't even know such things as repayment holidays existed until I took out a personal loan with the Post Office. What a great idea! I have taken out a few loans in the past, and it was always hard to keep up the repayments around Christmas time – even though I knew I always had a strict budget to stick to, paying back a loan when you have extra expenses to cover too is difficult. The option I have taken with the Post Office has allowed me two repayment holidays during the duration of my loan, and this will really make a difference to me.

Review posted by Irene Jimson

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Personal loans and the Post Office aren't two things that I would have ever partnered together, however it turns out they offer a really good service. I needed some extra money towards the end of last month in order to fund an extra training course I wished to attend. I'm planning on applying for a promotion at work soon, and the extra course will be really beneficial to my CV. I have always tried to live within my means, so taking out a personal loan was quite a big deal for me. The Post Office made everything as simple as possible for me, and I would consider using them again in the future if the need arose.

Review posted by Martina Poxam

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I am actually a regular customer of the Post Office as I have found their financial service to be really great value. In the past I always used to turn to my local bank when I needed financial help, but when a friend of mine took out a personal loan and told me about the interest rate they had got with the Post Office, I realized the deal I was getting wasn't actually that good at all. As I've been with the same bank for so many years, I wrongly assumed they would offer me the best service. Turns out I was wrong, and I won't be so assuming in the future. My friend and I are both very satisfied with the Post Office and will continue to use them in the future.

Review posted by Abigail Partridge

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Not every one gets on with their bank and has the sort of relationship where you just know you can apply for a loan and get it. I didn't even bother asking my bank for this loan I just went online and started looking for an alternative lender and came up with the Post Office of all people. When I told my mum she wasn't in the least bit surprised because she told me she had taken out a loan with the Post Office a couple of years ago when her bank had refused her a loan. I really should make the time to talk to my mum more often because she could have saved me hours of searching on the internet for this loan. But to be honest, I might not have taken her too seriously when she said get your loan from the Post Office. I would probably have had to check them out for myself first anyway. But I'm glad I found them because I have got a really good loan thats convenient and affordable for me so I couldn't be happier.

Review posted by Nancy Brooker, Godstone, Surrey

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With so many banks offering loans to everyone not just their own customers you have to ask yourself why would anyone go to the Post Office for a loan. Well my answer to that is because the Post Office are far less judgemental when it comes to giving out loans and whilst there may be hundreds of other loan options available they certainly weren't competitive enough for my liking. Yes, some banks will give you a loan but they make you pay extortionate interest rates if they consider you to be a high risk. that wasn't the case for me when I applied for this loan from the Post Office and I am delighted to say I have been approved my personal loan at a rate that doesn't make me wince and they didn't make me jump through hoops to get it.

Review posted by Mike Evans, Lytham St.Anne

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With a Post Office loan they let you have repayment holidays which was a great bonus for me because my first repayment would have coincided with paying the deposit on our holiday but now I can put it off and pay it when the next month is a much better time for me. The next repayment holiday I have chosen is the month we actually go on holiday so I don't have to worry about having enough money to spare. This personal loan from the Post Office has turned out to be such a great one for me because the loan itself has gone towards buying a new family car and we don't have a penny left over because as usual my husband has gone over the top and chosen a car that is using our complete budget with nothing left to even fill the tank up with petrol!

Review posted by Sair Patel, Forest Gate

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I must be honest and say that the only reason I went to the Post Office for this personal loan is because they were the only lender willing to approve me a loan for the amount I wanted based on my income. But that's saying I am disappointed with this loan because I am genuinely pleased with the loan agreement the Post Office have set out for me, which is affordable and convenient, especially with the repayment holidays they have allowed me. So if I am paying a slightly higher than average interest rate for this loan I think it's ok because I am just very happy to have got this loan after wasting hours online looking at other lenders who just weren't willing to let me borrow the amount I needed at an affordable rate.

Review posted by Brendan Ashcroft, Luton

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the Post Office are the best ever, they gave me a loan after my bank said no. they dont care if you are only on a minimum wage like I am they just work out how much you can afford to repay each month which is the most important part about taking out a loan. I tried to explain to my bank that I could afford the repayments on a loan but they said I had to many other things that I was paying for each month but I new how much spare cash I had each month and that was more than enough for this loan. I dont even have to start repaying it for another month because the Post Office give you a break if you want it so I took one to help me get ready to make my first payment. Thank you Post Office your the best but my bank stinks.

Review posted by Leteesha Adobu, Hackney

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I am absolutely delighted that the Post Office have approved my loan application and that I have been able to get the funds to buy a decent car. Being retired now I thought that once my own bank had refused me a loan that was it but not every lender discriminates against us retired folk it would seem. The Post Office seem to be aiming their personal loans at people who are either retired or earning a lower than average salary. Thank goodness for them because I don't know where else I would have got such an affordable and convenient loan. Certainly not from my bank that's obvious now, but I am rather cross that the Post Office can offer me a loan and my own bank can't.

Review posted by Gilly Dawson, Stoke Newington

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we had to go all the way to the bottom to find the post office loans but it was worth it because just when we had almost given up hope of getting a personal loan the post office came to the rescue. now we have found that the post office give loans to people on lower incomes we will be taking advantage of them again once this loan is paid back. we would really like to pay towards our daughters wedding next year and so when we get back off holiday we will concentrate on repaying this loan so that we can take out another one in time to give our daughter a bit of money to help with the wedding and maybe she can use it for her honeymoon as we know she wasn't planning on having one to save money.

Review posted by Donna Chatworth, Dagenham

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I'd known for a long time that the Post Office did loans for those of us not fortunate enough to earn huge salaries. I just have never had to take out a loan before but I knew to go straight to the Post Office after looking at a couple of loan comparison websites. It seems that the Post Office really are the only option for people earning the minimum wage and I definitely fall into that catergory so I am very relieved they approved my loan. I don't know who I would have turned to as my own bank refused me and my husband a loan even taking both our salaries into consideration.

Review posted by Lesley Crabtree, Sutton

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The post office personal loans department worked really well for us.we were in desperate need of redoing and repairing our old bathroom after a leaky pipe burst. I must admit I didn't even realise in my ignorance that the post office did loans of any sort. Due to our financial status we were turned down by a few different companies offering personal loans, the post office had the best loan quote out of the companies that did accept our applications. I must admit that the 7.4% Apr did put me off but the repayments were of an amount that we could afford over the 84 months we decided to keep the loan for. Over all it worked very well for us.

Review posted by Dave Hill

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25 years! It's twenty five years that myself and my wife have been married! I wanted nothing more but to do something lavish for our anniversary but my finances just wouldn't stretch. I couldn't let this momentous occasion pass with out something spectacular to mark it. Thus I started to look into my options for loans and came along The Post Office! Not at all what I expected but I was very pleased to find I could apply for an affordable loan for exactly what I was in need of with out breaking the bank. So thanks to the Post Office I am going to surprise y wonderful wife with a trip of a life time to the Maldives this September. Kind regards Edward Trimm

Review posted by Ed Trimm

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Who would have know the post office would be were we would end up for a personal loan to completely redo our twins bedroom! We knew we would have to get a small loan to transform our twin girls bedroom from a Minnie Mouse babies room to an extravagant pink palace for our two little princesses! To be honest I stumbled across the Post Office loans department while searching the web for a good loan fit online. The flexibility with repayment was a big seller for us. We decided to stretch it out for just over a year and a half so we didn't feel the pinch so much and it worked really well for us. We managed to create a wonderful girly paradise as a Christmas treat. We had a great experience with the post office team!

Review posted by Woods Family

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A few of my best mates had popped the question to their better halves recently and their stag dos all seemed to be planned just weeks apart. I was thinking about just going to one but we're all really close since school and couldn't really choose between them all. Another of my friends was in a similar situation and told me that he was thinking about getting a loan for a few grand, this seemed like a pretty good idea so I had a look at what's out there. I don't earn a huge wage so I knew I'd have to go for something with stretched out payments. The post office seemed to tick all my boxes so I went for it. They were really awesome and quick, I was able to start giving the lads deposits and paying up front for things with in a week or so. Cheers!

Review posted by Jimmy K

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Our Post Office loan is paying for our first proper holiday in absolute years and we are really pushing the boat out with it. We are going on the cruise of a lifetime and hopefully there will be no pushing of boats once we're on board, we'll just be relaxing and having the time of our lives. My husband is bound to pile on the pounds with all the lovely food they'll be serving 24/7 but I'll be dancing mine off every night with all the live music and shows they'll be entertaining us with.We would not have been able to afford this cruise without the Post Office loan who were the only people who would give us an affordable loan based on my husband's reduced income now that he is semi retired. To make things even easier for us the Post Office allow you to take repayment holidays so we won't even have to start paying back this loan until after we get back from our cruise.We are absolutely delighted and just had to write to say how grateful we are to the Post Office for this wonderful loan.

Review posted by P Murphy, Forest Gate E7

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I did have to wait an agonising 3 days before my Post Office loan was approved and they weren't able to give me any explanation for the delay but all that was forgotten when the approval finally came through and I was able to sign all the loan agreement paperwork and get it back to them by courier so as not to waste any more time. Within just over a week I had my loan finalised and the funds deposited into my bank account. I couldn't be happier and especially as I have taken up the option of a repayment holiday in December which means I won't be leaving myself short of money for the Christmas period. The slight delay at the beginning aside, I couldn't be happier with how the Post Office have been throughout this whole loan process and I would definitely consider taking out another small personal loan with them again in the future.

Review posted by Leona Chisholm, Maida Vale

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If a friend of mine hadn't mentioned that the Post Office do loans I am not sure that I would have considered them when I first started looking for a small personal loan. I had had no luck with my own bank and was about to start looking online when this friend mentioned that he'd just finished paying off a loan he'd got with the Post Office and because like me he is on a relatively low income I thought it was worth me giving them a go. I am jolly glad that I did because not only did the Post Office almost instantly approve my loan application but when it came to finalising things I was given the option of a repayment holiday which will be very handy for me and should take the pressure off me this Summer when the grandchildren are coming to stay and I'll be dipping into my pocket every 5 minutes for one thing or another to keep them all amused and entertained.

Review posted by Glyn Partridge, Cirencester

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  • Value For Money

My mum told me about the Post Office doing personal loans and I didn't believe her at first so I went online and checked them out and she was right. She also said they gave loans to people like me on lower incomes and that is one of the reasons I couldn't get a loan from my bank or any of the other main banks and loan companies. I even tried Tesco Bank who I used to work for in my local store but they said no. I was about to give up until mum told me about the Post Office but I am so glad I didn't because they have just approved a loan for me that means I can go on holiday with my friends and I won't even have to start repaying it until September because they let you take a repayment holiday which is really cool because it means I'll have a bit more spending money for my holiday. I am definitely going to use the Post Office again for another loan when this one is repaid.

Review posted by Gemma Stevens, Cranbrook

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  • Flexibility
  • Ease Of Use
  • Value For Money

Post Office loans are a great option for people like me on a part time employment wage. Not earning a huge sum is okay because I can get by happily with what I earn except when it came to getting a small personal loan to help with the cost of a car for my grandson when he passed his driving test. I'd always promised him some money towards a car and never thought I'd have a problem raising the funds. But my bank refused me the loan and said I didn't earn enough so I guessed that would be the case for most of the other high street lenders. Then I found out more about Post Office loans and realised they could be the solution for me and I am delighted to say they were. I know where to go to if I ever need another loan!

Review posted by Simon Glynn, Poole, Dorset

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  • Ease Of Use
  • Value For Money

It was my boss who told me to try the Post Office for a loan and so I took his advice and now here I am saying thank you to the Post Office for this very good loan that I couldn't get from any other lender that would not be charging me so much interest rates for such a small loan amount. The Post Office give me a loan even though my salary is not very much by standards of other workers I no. The Post Office gave me this loan and also they say I can take holidays with the payments which means I do not have to find the money every month and can have a break and a chance to spend my money on other things. I am really happy with this loan and really happy with my boss for such good advice and maybe if he could increase my salary I will be even happier.

Review posted by Latania Costa, Finsbury Park

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  • Ease Of Use
  • Value For Money