Your loan options

Personal

  • Barclay loan

    Personal loans

    Your personalised Barclayloan rate is exactly the rate you’ll get if you take out a loan today. You can check to see if you have a personalised price quote online – without affecting your credit score.

    • Our representative APR is 5.9% on loans of £7,500 to £15,000 1 for terms between 2 and 5 years
    • Get the same rate no matter what you’re borrowing for
    • Price guarantee: if you find a like-for-like loan with lower monthly repayments, we'll match it and give you £50 4

     

     

  • Top up loan

    Top up your loan online

    If you already have a Barclayloan, you can apply to borrow more money in Online Banking 3 – whether it’s for a special purchase, to make home improvements or to consolidate your debts. Just top up your existing loan or take out a new one.

    • Borrow up to a total of £35,000. Subject to status 
    • Log in to Online Banking to see if you have a provisional top-up limit (without affecting your credit rating)
    • See if you can top up your loan using our app – If you haven’t registered yet, find out what our mobile banking app could do for you.



     

  • Barclay career loan

    Homeowner loan

    Homeowner loans are secured on your home and can be used for such things as improving your property and consolidating loans.

    • Loans arranged by Freedom Finance and introduced by Barclays
    • Loans of between £3,000 and £250,000 for UK homeowners

     

    Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

     

     

  • Barclay career loan

    Professional and Career Development Loan

    If you take out a Professional and Career Development Loan while you're on a vocational course, the government will pay your interest while you study.

    • Offers financial assistance while you improve your prospects
    • The government pays your interest while you study
    • Pay nothing until 2 months after you finish your course

     

Other types of borrowing

Barclaycard

Barclaycard

Whether you're looking to make a balance transfer or for rewards when you make purchases, our range of credit cards is designed to suit you.

  • Check if you're eligible without affecting your credit rating
  • Log in to Online Banking and apply using our pre-completed form

 

Your overdraft

Sort your overdraft

  • Apply for an overdraft in Online Banking
  • Increase your existing overdraft online
  • Make use of a Personal Reserve 3
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. Loans are subject to status. Eligibility and conditions apply. You must be a UK resident to apply.
 
2. 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).
 
3. You need a Barclays current account to register for Online Banking. Not all customers can apply for a Barclayloan online and certain restrictions apply.
 
4. 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 2 repayments each month, plus a one-off £50 (after you make your first monthly repayment). Please see full Price guarantee terms and conditions
 
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