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Car loan

Looking for a car loan?

  • Personalised price quote – with no credit footprint
  • Comes with a price guarantee (conditions apply)
  • Choose the car you want

4.9% APR Representative

on loans of

£7,500 – £15,000

Over 2 – 5 years (your rate may differ )

Barclayloan for a car

A Barclayloan is a simple way to borrow, and is subject to status and application. Get the car of your dreams, right after the test drive.

  • Barclayloan overview


    Drive away with our great-rate car loan

    Know your personal rate before you apply

    A representative APR is the rate that most customers will get, but yours could be different. With some lenders, you won’t know your actual rate until you’ve applied. And if you’re not happy with the APR you’re offered, your credit rating could still be affected even if you don’t take out the loan. But when you get a personalised price quote with us, you’ll know your exact rate before you apply – and it won’t affect your credit score.

    You could get your money straightaway

    If you apply online and your application is approved, provided 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 straight away.

    Price guarantee

    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 .

    Fixed monthly repayment 

    to help you budget

    Choose your payment term

    depending on the loan amount

    Top-up option

    Already have a Barclayloan and need more funds? You can apply to increase your borrowing .

    If you just want to take out a second loan instead of topping up, that’s always an option too.

    Repaying your loan early

    You have the right to repay your loan early, in part or full, at any time. We’ll charge a fee equal to 30 days’ interest on the amount you’re repaying, as well as any other interest that’s due.

  • Eligibility

    To apply online, you’ll need

    • Barclays current or savings account, mortgage or Barclaycard
    • UK residency
    • To be 18+ years old

    You can use your loan for almost anything, apart from

    • Business reasons
    • Investments, including buying stocks and shares
    • Timeshares
    • Purchasing property (home improvements are fine)
    • Gambling debts
    • Repaying CCJs (county court judgments)
    • A purchase made by combining this loan with any others

How much would you like to borrow?

The calculator results below are based on the representative APR for the amount you enter. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term.

Premier loan – see how much you could borrow

Get an idea of your loan repayments and rates using our Premier Barclayloan calculator. The results will be based on the representative APR for the amount you enter. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and the repayment term. Loans are subject to status. Early settlement fees apply.





Months mths (0yrs)

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The same every month

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Loan required 0



Based on the details you entered


Representative example


Loan amount



Term (months)



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Interest rate pa (fixed)




0.0% APR


Representative APR applies to loans of 0 0


How to apply

If you bank with us, we could tell you your personal loan rate up front, before you apply.

Barclays current account holders

If you have a current account with us, we may already have a provisional loan offer ready for you. Just log in to Online Banking (or your Mobile Banking app, if you’re registered) now to check. If there’s no provisional loan limit, you could still get your personalised price quote.

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 offer in Online Banking – you could still get your personalised price quote before you apply.

Want to speak to us about your loan?

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

  • Resume an application

    If you previously started to apply for a loan and saved your application, you can resume it in 2 ways – depending on how you applied initially.

    Online Banking

    Log in to Online Banking here, and we’ll take you straight to your saved application.



    Online application form

    If you started your application via our online form, we sent you an email with your reference number. Just enter this number to resume your Barclayloan application.



Want some car-buying guidance?

We’ve teamed up with the experts at RAC Cars and Glass’s to bring you some important information you need to know about buying a car .

  • Finding a car

    Finding a car

    Some cars may be more reliable than others, but no car will run without a certain amount of servicing.

    If you’re like most people, your budget, and therefore the car’s price, will be the main deciding factor in buying a new car. Once you’ve chosen the type of car that’s best for your lifestyle – whether it’s a coupe or a 4x4 – you should consider the car’s engine size and fuel type, as these things will determine the day-to-day cost of running your new car.



    Also consider the make of the car. Ask around, speaking to your friends and family to get an idea of how reliable their cars are. Some cars may be more reliable than others, but no car will run without a certain amount of servicing. So check what service garages are in your local area.



  • Valuing a car

    Unless you really know your cars, understanding how much a used car is worth isn’t easy. But it doesn’t have to be guesswork.

    Selling a used car

    If you’re trading in your old car, you’ll want to get the most money you can out of it. Coming prepared to negotiations is key. Get a free trade-in valuation of your car online, before letting the dealership tell you how much it’s worth.

    Pricing your car

    If you’re selling your car on, you’ll want to make sure you choose a fair price. Setting the price of your car too low will of course lose you money, but setting it too high will lose potential buyers’ trust – or may mean your car is overlooked entirely. Start by getting a free online valuation, and then look around at other ads for your car’s make and model to compare.



  • Buying a used car

    When you go to see a car, inspect it thoroughly and bring a knowledgeable friend or family member to help. Get the vehicle identification number and V5 serial numbers and check them online to make sure they match the DVLA’s records. Get the licence plate number and find out more about the car’s history by getting an HPI check online. This will tell you whether car has ever been stolen, written off, clocked (altered mileage) or has outstanding finance.

    Check the paperwork carefully. At the very least, you should be looking for original versions of the V5 registration document and MOT certificate. Check that the seller’s details match the registration document exactly.

    Finally, take the car for a good test drive, for at least 30 minutes. No matter what a seller says about the condition of the vehicle, you need to see it for yourself.

    With an HPI check

    For a full used car buyers guide

  • Cheap motoring

    While the initial cost of your car will be your biggest outlay, the cost of running it can be higher than you think. Before buying, consider the factors that could reduce your annual running costs. The RAC has got some useful guides on understanding and managing your car-buying costs. For example, you can find out about how to stem the depreciation of your car, insurance, road tax, servicing and maintenance and more.

    In-depth motoring advice from RAC Cars

  • Car finance options

    Unless you’re a cash buyer, there are 4 main ways to pay for a new or used car – hire purchase (HP), leasing, personal contract payment (PCP) and a bank loan.

    Your choice could also be affected by whether you’d want to sell the car or trade it in for a newer model in future – even how many miles you drive each year.

    RAC Cars has a guide that helps you work out how to choose car finance based on your circumstances and preferences.

    In RAC Car’s complete guide

Talk to us about loans


Other ways to borrow

If you need a little extra cashflow now and again, there may be some better alternatives to choose from.

Credit cards

From your first credit card to making everyday purchases or transferring a balance

Personal overdrafts

Short term way of borrowing, up to an arranged limit