Your cookie settings

Cookies are very small text files that some websites store on your computer when you visit them.

Cookies do lots of different jobs, like letting you navigate between pages efficiently and remembering your preferences.

We use cookies on our website to make your browsing experience better. By using this website you accept our use of cookies in accordance with the settings below.

Your allowed cookies:

Strictly Necessary are always allowed by default.

Table goes here
More information about cookies

Barclayloan – Personal loans

  • Price-match guarantee 2
  • Instant funding 1. Apply online or by mobile 6

For features and terms see below

Representative example 

Loan amount Term Monthly repayment
£0 0 months £0
Total amount
Interest rate pa Representative APR
£0 0 fixed 0

Representative APR applies to loans of £7,500 - £15,000 for terms between 2–5 years. 4

Your rate may differ from the Representative APR. Loans are subject to status. Early settlement fees apply (see below) 4.

Barclayloan Calculator

Use our calculator 3 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 4.

Loan amount (£):


Term (months):



Our lowest Barclayloan rate ever

Monthly repayment (£):


Total amount repayable (£): 




What is the Representative APR?

51% of people who take out a Barclayloan within the amounts and terms 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 

Loan amount




Monthly repayment


Total amount payable


Interest rate pa


Representative APR


Representative APR applies to loans of 0 for applications made before 5 July

Defaqto is an independent financial research company focused on supporting better financial decision making

How to apply

Barclays current account holder?

If you already have a current account, log in to Online Banking to see if you have a provisional loan limit and can apply.

Have another Barclays product or service?

If you have another Barclays product, but don't have a current account, you could apply online.

Want to speak to us?

If you have any questions you can call us on 0800 716 5982 5 to speak to a lending specialist. Or, you can ask us to call you when it suits you.

Features of our Barclayloan Personal loan

  • You could get an obligation free personal price quote without affecting your credit score.
  • If your application is accepted we can often transfer the money to your current account straightaway 1
  • Price-match guarantee. Find a like-for-like loan elsewhere with lower monthly repayments – we'll match it and give you £50 2
  • One fixed monthly repayment to help you budget
  • You have the legal right to repay the loan early at any time
  • Rates are the same regardless of what you’re borrowing for
  • You can apply online, by mobile, in branch or over the phone, depending on your circumstances and the products you hold 6

All loans are subject to status.

Repaying your loan early

You have the legal right to repay your loan early, in part or full, at any time. As well as any other interest that’s due, we’ll charge you a fee equal to 30 days’ interest. This will be calculated using the amount being repaid for a partial repayment or on the amount you owe us if you repay in full. For more information, call 0800 716 5982 5 or visit a branch.

To find out what your repayment fee is at any time, log in to Online Banking, call us on the same number or visit a branch.



Find out if you're eligible to apply online

You may be eligible to apply for a Barclayloan online if you:

  • Are at least 18 years old
  • Are a UK resident
  • Have at least one of these with us:
    • Current account
    • Savings account
    • Barclaycard
    • Mortgage


What you can use a Barclayloan for

A Barclayloan can be used for almost any purpose, apart from:

  • Anything related to starting or running a business
  • 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


Not eligible? No problem, you could consider:

Improve your credit score

Improving your credit score

See our tips on how to increase your chance of being offered credit.

Homeowner loan

Homeowner loan

You may be able to take out a loan secured on your home arranged by Freedom Finance.

Barclaycard Platinum Purchase Visa


Browse our range of credit cards to find the one that's right for you.

Improve your credit score


If what's coming into you account at the monent isn't covering what's going out, an overdraft could help you manage your money until it does.

Top up an existing loan

Top up your current Barclayloan

If you're registered for Barclays Online banking and you already have a loan from us, topping it up could be a good option if you want to borrow some more.


There are 2 ways we can help:


Top-up your existing loan

When you top-up a loan, we don't actually add money to it. Instead, we set up a new loan for the remaining balance and the extra amount you want to borrow. Then we pay off your old loan from the total, including any early repayment charges, and transfer what's left into your account. The new loan may have a different interest rate from your initial loan, and the term might be different, too. This may mean that you would pay more interest than before.

How to apply

If you’ve already registered for Online or Mobile Banking, log in to see if you have a provisional loan limit and can apply online. If not, you can register now or call us on 0800 716 5982 5.

You could also use our mobile banking app to see if you can apply for a new loan or top up your current one. If you haven’t registered yet, find out what our mobile banking app could do for you.

Take out an additional loan

Did you get your current loan for a specific reason and want to borrow for something else, or just want to keep your repayments separate? If you have a Barclayloan and are registered for Online Banking, you could apply for a second loan.


Log in to see if you have a provisional loan limit and can apply online. Then follow the application process.


If you're not registered for Online Banking, call us on 0800 716 5982 5.


As with any form of lending, make sure your new repayments will be affordable.

All loans are subject to status at the time you apply. Early repayment fees will apply.

Resume your online application

Resuming your Barclayloan application

If you’ve previously started an application, you can reopen it in 2 ways:

1. Log in to Online Banking

Once you’ve signed in we’ll take you straight to your online application.

2. Resume with your reference number

We sent you an email after you started the application, and it contains your reference number. Resume your application and you can enter this reference number to continue your Barclayloan application.

Related links

Help and tools


Guides and FAQs

Information about borrowing, credit ratings and dealing with debt.


Budget planner

Use our budget planner to calculate the monthly payment you could afford.

Contact us

If you have any questions about our products or services, please get in touch.

Live web chat



Start a live web chat

Web Chat

Visit a branch

Come and speak to us in person – use our branch locator to find a branch near you.

Web Chat

Call us

Important information
1. 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).
2. 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
3. The maximum amount for which you can apply depends on your circumstances and how you apply. Calculator results are based on the Representative APR for applications of the amount you entered.
4. 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.
5. Lines are open daily 8am-10pm except for UK bank holidays. To maintain a quality service, we may monitor or record phone calls. Call charges
6. Not all customers can apply via all of these channels and certain restrictions apply. Contact us to discuss your options.
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.


Barclays Premier League

Proud sponsors of the Barclays Premier
League & the Barclays ATP World Tour Finals

Barclays APT  World Tour Finals