Post Office Personal Loan

After I have signed the contract they said to wait for decision after 3 weeks I have contract them saying application been declined?

My credit score is perfect I'm homeowner good history never pay late and stil declined for no reason

This is a joke stay far way from them

Terrible experience. I applied for a car finance loan online, was approved, signed the loan agreement online, and received a congratulatory email from the Post Office advising me to expect to receive the funds within two working days. After two days had passed I called the Post Office to follow up and they told me that the loan had unfortunately been declined! I was shocked. My credit rating is excellent, my record spotless, and the loan was easily affordable. I thought that the Post Office email informing me that the loan had been approved was misleading and is poor practice. On the phone the Post Office staff did not tell me why the loan had been declined at such a late stage. They said that they’d sent an explanatory letter in the post (even though the rest of the application process was online); a letter which has still not arrived. They advised me to check my statutory credit reports from the various ratings agencies and with the agency CIFAS. I’ve since done this and there are no flags and no errors. I’m bewildered by the Post Office’s processes and feel extremely let down by their slow and poor communication. This has put us in a difficult position with respect to the car purchase - which may now fall through - and has caused us a great deal of unnecessary stress.

they are the best i can recommend for you i got real funds from darkwebprogrammer @ gmail.com

they are the best i can recommend for you i got real funds from darkwebprogrammer @ gmail. com

they are the best i can recommend for you i got real funds from darkwebprogrammer @ gmail. com

Following our previous 1 star review we were subsequently provided with the funds as per the original quoted rate so it would be only fair to update our previous review on that basis as there does not appear to be a way to edit reviews on this site. Unfortunately, following us providing all the requested info it actually took 5 weeks for the loan to be approved and funds transferred the following week. In th meantime with no communication or indication for whether we would actually get the loan we took out finance elsewhere and ended up having to pay this off with the cheaper loan form Pst Office. If you get approved on the lower rates well done but turnaround times and communication should be much much better.

16 July 2021

Recommended by experian following a search on my my partners credit report which is near in excellent score. Accepted in principal and given a rate of 3.1% which we were also offered form other lenders so am so disappointed we went with Post Office who we now know are only a broker for the Bank of Ireland. We were asked for further income proof which was duly provided and now three weeks later and numerous phone calls we are still told its with the underwriters. We will go elsewhere but now with a full hit on our credit file, do this bank actually give anyone a loan or just impact everyones file. Absolutely terrible service please go elsewhere.

Went though elligibility and said was 95% chance of being accepted, have a good credit score and went though soft check all good.

Then bam, once all info entered changed from. 3.4% to 11.9%, immediately rang to cancel but told the check and application will stay on the credit check ..

Not impressed- thankfully I have other options but if I didn’t would potentially be forced to go ahead with application at the very high interest rate.

I had coronavirus which meant i was in hospital for 2 weeks and had significant reduced pay in December, I talked to post office money about the situation, and came to an agreement that if i pay by the 29th that it will not be reported as late payment on this occasion.

The collection officer said she has spoke to their managers and had this confirmation by email.

I paid the instalment close to £495, and 2 days later post office money has not only reported it as late but reported wrong as 2 months late!!!!

I am now seeking litigation for the damages they have caused by not upholding the agreement and basically only trying to get me to pay and invalid reporting.

STAY AWAY FROM POST OFFICE, THEY OUTSOURCE THE COMPLAINTS AND SUPPORT TEAM TO A DEBT COLLECTION COMPANY CALLED INTRUM, THESE DONT KNOW JACKALL ABOUT THE RULES AND REGULATIONS IN THE FINANCIAL INDUSTRY, THEY DID NOT EVEN KNOW WHAT THE FCA IS. 

I applied for a small An Post loan. I don't have any other loan, have a good salary and yet my application was declined.

I called them and the customer service assistant said that my application was declined because I am paying rent. The second time I was told that the reason for declining my application is because I have a credit credit. Load of nonsense. These people are just time wasters. Plus it will stay on record that the loan was declined.

STAY AWAY FROM AN POST MONEY LOAN !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Go to a credible bank to get your loan. I regret so much for applying at An Post.

I have one of the best credit ratings, I follow my credit rating online. Applied for post office loan at 3.1, accepted on quick check, applied for full credit check, accepted again but at over 14% Apr. False advertising, went to my bank and got 3.4 Apr and money in less than 24hrs later. I am so annoyed I fell for the it with the post office, have reported to ASA, its wrong wasting peoples time and affecting peoples credit score. Stay clear, go to your bank.

They offered a representative rate of 3.1%, had to wait 7 days to discover the actual rate jumped to 11.9% and I have excellent credit score-(990), no other loans and excellent credit usage ratio. They are a complete waste of time. No credible explanation why I had to wait 7 days to know the rate offered me having searched my credit profile. Got same loan at a far lower rate with another lender in just 2 days from start to finish!

I applied for a Post Office loan almost a month ago. There was a short, acceptable delay as they needed another document scanned in, then... nothing! Made several calls to chase up and eventually told a letter had been sent out (not received yet) as my application was unsuccessful. I am a home-owner with good credit rating. What a waste of a month of my time!