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Barclayloan – Personal loans

What's your Barclayloan rate?

  • Check to see if you have a personalised price quote online or on your mobile 6
  • Viewing your rate doesn't affect your credit score
  • Price guarantee 2

  APR representative

Representative APR applies to loans of £7,500 - £15,000 for terms between 2–5 years. 4

Your rate may differ from the representative APR. Loans are subject to status. Early settlement fees apply (see below) 4.


Personalised Barclayloan

Check your personalised price quote so you know what your loan from us could look like. There’s no need to apply and we’ll only carry out a simple credit check to show you your rate – so there’s no effect on your credit rating.

Your personalised price quote gives you a loan rate that’s just for you, not the representative APR you see in an advert. 

A representative APR is the rate that most people get, but if you’re already a Barclays or Barclaycard customer, yours could be different. 

So unlike a representative APR, the personalised rate we show you is exactly the rate you’ll get if you take out the loan today. 

To see if you have a personalised price quote, log in to Online Banking or your Barclays Mobile Banking app if you're registered 6. If you're not registered, just fill in our Barclayloan quotation form below.



What you get

  • No effect on your credit score when you view your personalised rate
  • If your application’s approved, we can often transfer the money to your current account straightaway 1
  • Price guarantee – find any like-for-like loan with a lower APR and we’ll match it 2
  • Convenience – apply online, on your mobile, in branch or over the phone 6
  • The same personalised rate no matter what you’re borrowing for
  • Earn £1 a month for having this loan when you join Barclays Blue Rewards

All loans are subject to status.


Repaying your loan early

You have the legal right to repay your loan early, in part or full, at any time. As well as any other interest that’s due, we’ll charge you a fee equal to 30 days’ interest. This will be calculated using the amount being repaid for a partial repayment or on the amount you owe us if you repay in full. For more information, call 0800 716 5982 5 or visit a branch.

Barclayloan calculator

Use our calculator 3 to get an idea of what your repayments and interest rates could be. Your actual rates and repayments may differ, and will depend on several factors 4.

Loan amount (£):


Term (months):



Our lowest Barclayloan rate ever

Monthly repayment (£):


Total amount repayable (£): 




What is the Representative APR?

51% of people who take out a Barclayloan within the amounts and terms shown are expected to get the Representative APR (or a lower APR). Your rate may differ.

What is the Representative Example?

The Representative Example is typical of the loan agreements we expect to enter into at the Representative APR and within the amounts shown.

Representative example 

Loan amount




Monthly repayment


Total amount payable


Interest rate pa


Representative APR


Representative APR applies to loans of 0 for applications made before 5 July

Defaqto is an independent financial research company focused on supporting better financial decision making


How to apply

Barclays current account holder?

If you already have a current account, log in to Online Banking to see if you have a provisional loan limit and can apply.

Other Barclays account holders

If you have another Barclays product (like a Barclaycard or mortgage) – or if you have a current account but don’t have a provisional loan limit in Online Banking – click below to get your personal loan rate before you apply.

Want to speak to us?

If you have any questions you can call us on 0800 716 5982 5 to speak to a lending specialist. Or, you can ask us to call you when it suits you.


Find out if you're eligible to apply online

You may be eligible to apply for a Barclayloan online if you:

  • Are at least 18 years old
  • Are a UK resident
  • Have at least one of these with us:
    • Current account
    • Savings account
    • Barclaycard
    • Mortgage


What you can use a Barclayloan for

A Barclayloan can be used for almost any purpose, apart from:

  • Anything related to starting or running a business
  • Investment purposes, including buying stocks and shares
  • Timeshares
  • Other property finance, including purchases, part payment or deposits on purchases and property development – although home improvements are fine
  • The repayment of CCJs or gambling debts
  • As a deposit for something being purchased with money from another lender

Top up an existing loan

Top up your current Barclayloan

Topping up an existing Barclayloan could be a good option if you want to borrow more money.


How it works

When you top-up a loan, we don’t actually add money to your current loan. Instead, we set up a new one for the total amount you want to borrow. 

For example, if your current loan is £5,000 and you want to borrow an extra £2,000, we’ll open a loan for £7,000 and pay off the first loan, leaving you with the remaining amount. Early repayment charges on the first loan may apply.

The new loan may have a different interest rate from your initial loan, and the term might be different, too. This may mean that you’d pay more interest than you did before.


How to apply

You could apply for a loan using Online or Mobile Banking if you’re registered. 

Log in to see if you have a provisional loan limit and can apply online. If not, you can register now or call us on 0800 716 5982 5.

Use our mobile banking app to see if you could apply for a new loan or top up a current one. 


Want to borrow more, but keep your repayments separate? 

If you got your current loan for a specific reason and want to borrow more for something different or you just want to keep your repayments separate, you might want to take out a new loan instead of topping up an existing one.

If you’ve already got a Barclayloan and are registered for Online Banking, you could apply for a second loan online.

Log in to see if you have a provisional loan limit and can apply online. Then follow the application process.

If you're not registered for Online Banking, call us on 0800 716 5982 5.

Resume your online application

Resuming your Barclayloan application

If you've previously started an application, you can reopen it in 2 ways:


1. Log in to Online Banking

Once you’ve signed in we’ll take you straight to your online application.


2. Resume with your reference number

We sent you an email after you started the application, and it contains your reference number. Resume your application and you can enter this reference number to continue your Barclayloan application.

Related links

Help and tools


Guides and FAQs

Information about borrowing, credit ratings and dealing with debt.


Budget planner

Use our budget planner to calculate the monthly payment you could afford.

Contact us

If you have any questions about our products or services, please get in touch.

Live web chat



Start a live web chat


Web Chat

Visit a branch

Come and speak to us in person – use our branch locator to find a branch near you.

Web Chat

Call us

Important information
1. If you apply online and your application is approved, and you can print or download your agreement and sign it online between 7am and 10.30pm, we'll usually transfer the money to your current account instantly. The same applies to loan applications made by phone where, if approved, you sign your agreement in online banking (registration required).
2. If you take out a Barclayloan and another lender offers you a like-for-like unsecured loan with a lower APR, you can claim under our guarantee within 30 days of the date we signed your Barclayloan agreement. We’ll reduce the interest rate to produce an APR equal to the competing offer and recalculate your monthly repayments to reflect the reduced interest rate. Please see our full Price guarantee terms and conditions
3. The maximum amount for which you can apply depends on your circumstances and how you apply. Calculator results are based on the Representative APR for applications of the amount you entered.
4. The rate you’re offered may differ from the Representative APR shown and will be based on your personal circumstances, the loan amount and the repayment term. Loans are subject to status. Eligibility and conditions apply. You must be a UK resident to apply.
5. Lines are open daily 8am-10pm except for UK bank holidays. To maintain a quality service, we may monitor or record phone calls. Call charges
6. If you have a Barclays current account and are registered for Online or Mobile Banking. Not all customers can apply for a Barclayloan or view their personalised price quote or provisional loan limit via all these channels and certain restrictions apply. Contact us to discuss your options.
Barclays Bank PLC subscribes to the Lending Code, which is monitored and enforced by the Lending Standards Board. The Lending Code sets minimum standards of good practice when dealing with certain customers in the UK in relation to loans, current account overdrafts, charge cards and credit cards. Further details can be found at the Lending Standards Board