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Your loan options


  • Barclay loan

    Personal loans

    A Barclayloan can pay for a new car, home improvements or lots of other things, or help you combine your borrowing into a single loan.

    • Our lowest Barclayloan rate ever: 4.3% APR representative on loans of £7,500 to £15,000 1 for terms between 2 and 5 years 
    • You could get your money straightaway 2 if you apply online and your application is approved
    • 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



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

Need help with jargon?

Here are the five definitions that we think you'll find most helpful.


The Annual Percentage Rate (APR) is the overall annual cost of your loan.  It takes into account the interest you pay, how often you make repayments and any additional charges such as arrangement fees.  It enables you to compare the cost of borrowing.

Credit rating/Credit history

Your credit rating is based on your past credit history and other information you give about yourself in your application. This will include information from the electoral roll, details about any County Court Judgments (CCJs) or bankruptcies in your name, and details of your existing and previous credit arrangements (such as credit cards, loans and mortgages) held in the last 6 years. This information is then used by lending companies to assess your loan application. For more details, see Your credit rating

Early repayment fee

This is a charge applied for paying back your loan partially or in full before the end of a loan term. It's tempting to pay back more than the required loan repayment if your income has increased, your spending has dropped or you’ve received a windfall. However, you should study the loan terms and conditions before you apply so you know the policy on fees.

Secured loans

Secured loans often allow you to borrow more money over a longer period of time than unsecured loans. This is because the loan is secured on something you own, normally your home. This would mean that your property may be at risk if you do not keep up your repayments.

Unsecured loans

Unsecured loans are available if you don't own your home or don't want to secure a loan on your property. As with any form of lending, ensure that your repayments are affordable.

Need other terms explained? See our Your loan options Jargon Buster

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

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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