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Looking for a car loan?

Barclay car loan

Car Finance Calculator

Use our car finance calculator 5 to find out your total car budget and 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.

£ How much is your current car worth?

£ Outstanding finance for your current car?

£ Savings you could add to your car budget?

Loan amount (£):


Term (months):




Borrow £7,500 to £15,000 at our lowest Barclayloan rate ever1


repayment (£):


Total amount
repayable (£): 





Total Budget for a new car purchase, subject to a successful loan application and the figures you have inserted above.
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 £7,500 - £15,000 for applications made before 5th April 2014

Get helpful guidance from the experts

We've teamed up with the experts at RAC Cars and Glass's to bring you a selection of handy tools, helpful guides and independent information 6.


Read the sections below to take advantage of expert guidance.

Find your next car

Looking for a quality used car? Set your price range and choose your favourite style, make and model and search across thousands of used cars either in your local area or across the country to find the perfect one for you.


If you’ve decided to buy a new car, finding the right one for your budget can seem difficult. Glass’s can help you find new cars at a price to suit you.

Find out the value of car you want to buy or sell


Getting a realistic valuation when buying or selling car is not always easy, but it doesn’t have to be guesswork. If you’re selling a car, you want to get as much as possible for it – but setting the price too high can scare off potential buyers. If you’re buying a car, knowing its approximate value in advance can be a useful bargaining tool when you negotiate a price.

Glass's can provide you with a free online estimate based on the registration number and average mileage data – 9 out of 10 car dealers use them for valuations. It also offers a more detailed valuation based on the actual mileage and if the car has any optional extras.

How to buy a second-hand car

Whether you’re planning to buy a used car from a dealership or a private seller, RAC Cars has some practical tips that will help you avoid problems. You’ll find out how to check that the car belongs to the seller and has not been written off by insurers, as well as the paperwork you should check before buying, such as the log book and vehicle identification number (VIN).

RAC Cars also gives tips on inspecting and test-driving the vehicle, and using car history and professional vehicle checks to make sure you’re not buying a damaged or illegally traded car.

How to check the history of a second-hand car

Before you buy a second-hand car, you’ll probably check the bodywork, the engine and take a test drive – but this doesn’t always tell you everything you need to know. Some details may be hidden until you check the car’s history to see if it’s been stolen, written-off, clocked or has outstanding finance.

Around 1 in 3 second-hand cars sold each year has a hidden past – based on checks done by HPI in 2010. You can get an insight into a car’s history by paying for a HPI Check or HPI Multicheck. It’s an instant, online check by vehicle registration number and you can check up to 3 cars at any one time.

How to cut the cost of owning and using a car

Owning a car can be a costly business, RAC Cars has come up with some points on how to understand and manage your motoring costs. For example, some newer models have engine features that could cut your road tax payment to zero, while start-stop systems (engine turns off when the car stops) can save significantly on fuel over time. 

A yearly service will help to reduce the speed with which the car’s value depreciates, which also helps to prevent problems that could cause a costly breakdown. Even the way you drive can cost you – fast acceleration and hard braking will add to your fuel costs and cause wear to the engine and braking system.

What types of car finance are there to choose from?

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.

There are plenty of questions to consider before choosing, such as whether you have a deposit, how much you could pay each month and how long you’re prepared to stay in an agreement. 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.

Key features and eligibility

Features of our Barclayloan personal loan:

  • Log in to Online Banking to see whether you have a pre-selected loan limit, without affecting your credit rating
  • You could get your money instantly 2 if you apply in Online Banking
  • Rates are the same regardless of what you’re borrowing the money for
  • Fixed monthly repayments to help you budget

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



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 previous loans)

If you're not currently eligible, consider:

What else to consider

Financing may not be the most exciting thing to think about when you’re buying a car. But with such a big outlay, you’ll want to get it right. Do your homework on the best way to pay for your car, and don’t assume that a dealer’s loan offer will be the best deal.

What else do I need to consider?

  • Work out the cost of insuring the car to help you decide what model you can afford
  • Research how quickly your favourite models will lose their value – new cars tend to depreciate quicker than second-hand ones
  • HP deals offered by car dealers may have extra requirements relating to maintenance and insurance, which a personal loan won’t have. You won’t be able to sell the car until the HP is paid off.
  • If you’re buying second-hand from a dealer, members of the Retail Motor Industry Federation have to offer a warranty with any sale but do check the deal as they’re not standard
  • A reputable dealer will have checked a second-hand car’s history to prove there are no outstanding HP or agreements on it, and that it’s not been written off or stolen. Confirm this has been done. If you’re buying privately, organisations such as the AA and RAC offer a data check service

The benefits of a Barclayloan over other familiar options:

  • Trade up, trade down or change your car at any time
  • Take time to shop around – or act fast on a great deal
  • Pay off your loan when you want, although early repayment charges will apply
  • Own your car in full with no restrictions on mileage
  • No credit arrangement fee

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 County Court Judgements (CCJ) 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 5982 4 or visit a branch.

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
6. We’ve teamed up with Glass and RAC to provide you with general information about the car buying process, as well as convenient links to their websites so you can find out more about the services they provide. The general information on this page and on the linked websites has been prepared by Glass and RAC and Barclays Bank PLC and its affiliates accept no responsibility for its accuracy or any loss you may incur resulting from your use of it. This general information and the links provided should not be regarded as advice nor a recommendation by Barclays that you use the services offered by Glass and RAC. By clicking on the links below, you will be redirected to Glass's and RAC's external websites. Although we make every effort to ensure these links are accurate, up to date and relevant, Barclays cannot take responsibility for pages maintained by external providers.

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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