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Barclayloan - Personal loans

Barclay loan

If you're thinking of a new car, home improvements or help consolidating debts, a Barclayloan 1 can help. Plus you could get your money instantly 2 if you apply online.

Find out if you're eligible before you apply.

  • Have you held a Barclays current account for over 7 months?
  • Do you pay at least £1,000 into your account each month?
  • Have you managed your account well and have a good credit history (eg, you've not defaulted on a previous loan)?

Barclayloan Calculator


Use our calculator 5 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 1.

Loan amount (£):


Term (months):




Our lowest Barclayloan rate ever


repayment (£):


Total amount
repayable (£): 




What is the Representative APR?

51% of our customers who take out a Barclayloan online within the amounts 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 

amount (£)




Monthly repayment (£)


Total amount payable (£)


Interest rate
pa (fixed)




Representative APR applies to loans of 0 for applications made in January 2014

Key features

Other features of our Barclayloan personal loan:

  • Price guarantee: Find a like-for-like loan with lower monthly repayments and we'll match it, and give you £50 3
  • Rates are the same regardless of what you’re borrowing for
  • Fixed monthly repayments to help you budget
  • Log in to Online Banking to see whether you have a pre-selected loan limit, without affecting your credit rating

All loans are subject to status. Early repayment fees apply.

Eligibility criteria

You may be eligible for a Barclayloan if you have:

  • Held a Barclays current account for over 7 months
  • Paid at least £1,000 into your account each month
  • Managed your account well and have a good credit history (eg, you’ve not defaulted on a previous loan)

If you’re not eligible, consider:

Other information

What you can use a Barclayloan for:

A Barclayloan can be used for almost any purpose. However, you can’t borrow for the following:

  • Business reasons
  • 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

How we work out the interest rate you’ll pay

The rate you’re offered is based on your personal circumstances, the loan amount and the repayment term. It may also vary based on whether you apply online, in a branch or over the phone. Interest is calculated daily on the outstanding loan balance.

Repaying your loan early

You can repay your loan early in full or in part at any time. In addition to any other interest that’s due, we will charge you a fee equal to 30 days’ interest, calculated on the amount being repaid for a partial repayment or on the amount you owe us where you repay in full. For more information, call 0800 716 598 4 or visit a branch.

Barclay car loan

You could use a Barclayloan for many things, including:

Important information
1. 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. It may also vary depending on whether you apply online, in branch or over the phone. Loans are subject to status. Eligibility and conditions apply. You must be a UK resident to apply.
2. You need a Barclays current account to register for Online Banking. Not all customers can apply for a Barclayloan online and certain restrictions apply. If you apply online and your application is approved, we’ll transfer the money to your Barclays current account instantly providing you can print or download your agreement and sign it in Online Banking between 7am and 11pm.  Sign online after 11pm, and you’ll usually receive the funds by 9am the next working day.  If you’ve got an existing loan with us and want to borrow additional funds, and repay your old loan at the same time, you cannot apply in Online Banking.
3. If you take out a Barclayloan and another lender offers you a like-for-like unsecured loan with lower monthly repayments, you can claim under our guarantee within 30 days of your Barclayloan being approved. We’ll pay you the difference between the two repayments each month, plus a one-off £50 (after you make your first monthly repayment). Please see full Price Guarantee terms and conditions
4. Lines are open daily 8am-10pm except for UK bank holidays. To maintain a quality service, we may monitor and record phone calls. Call charges
5. The results are based on the Representative APR for applications of the amount you entered.
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

Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.


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