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Personal loan

Want to know your loan rate?

If you have a current account or Barclaycard with us, you can check to see if you have a provisional loan limit before you apply – without affecting your credit rating1.

Subject to application, financial circumstances and borrowing history.

Personal price quote – with no credit footprint

Apply in Online Banking or the Barclays app – most people apply in less than 10 minutes1

Get quick access to your money if we approve your loan2

0 APR Representative
on loans of
0

over 2-5 years. (Your rate may differ3)


What is a personal loan?

A personal loan could be a simple way to borrow, with a fixed interest rate that’s personal to you.

How do personal loans work?

We’ll tell you what your loan rate is before you apply – this won’t affect your credit score. Then you can apply in Online Banking or the Barclays app.

If we approve your application, we’ll pay the money into your account straight away.2

You’ll pay your loan back over your agreed term (or earlier, if you want to pay extra or repay sooner), until it’s all cleared.

All loans are subject to your financial circumstances and borrowing history at the time you apply.

Try our personal loan calculator

The calculator results are based on the representative APR for the amount you enter. The representative APRs shown are based on all loan applications made by Barclays customers. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term.

Amount
Amount
£
Term in Months
Term
months

The same every month

Loan required

Based on the details you entered

Representative example

  APR Representative
based on a loan of  
repayable over   months
at an interest rate of
  per annum (fixed) .
Monthly repayment of  .
Total amount payable  .

Representative APR applies to loans of

How to apply

If you have a current account with us or a Barclaycard, we could tell you your personal loan rate upfront – without affecting your credit score.

You may be eligible

You can see if you’ve been pre-selected to apply for a loan – this means you can see how much you may be able to borrow, and your personal rate, in a few minutes*. All you need is

A current account or Barclaycard account with us
Online Banking or the Barclays app

* You need to be registered for Online Banking or the Barclays app. Not everyone is pre-selected – if you aren’t, you won’t be able to apply online or in the app. Please get in touch to discuss your options.

Lending and guidance

We have lots of additional information, loan options and tools to help you.

Subject to application, financial circumstances and borrowing history.

Select
  • Borrowing to suit you

    Car loans

    Secure a better deal with a loan.

    Get the wheels in motion with a car loan from Barclays and your next purchase could be just around the corner.

    Subject to application, financial circumstances and borrowing history.

    Consolidate your debt

    Feel optimistic about your financial future

    Take control of your borrowing by getting all your debts in one place with a Barclayloan.

    Subject to application, financial circumstances and borrowing history.

    Home improvement loan

    Spruce up your property

    Whether you’d like a new kitchen or want to give your lounge a new lease of life, you could get more from your home.

    Subject to application, financial circumstances and borrowing history.

    Top up an existing loan

    Need a little extra?

    If you have a Barclayloan but want more money, you could top it up or get another loan.

    Subject to application, financial circumstances and borrowing history

  • Other ways to borrow

    Barclayloan

    See what your loan could look like with a personalised quote.

    Barclaycard

    Choose from our range of credit cards, which include cards for everyday purchases and balance transfers.

    Overdrafts

    Overdrafts

    An overdraft may help you manage your money – and we make it easy for you to work out how much it could cost.

  • Need some more help?

    Get a better credit rating

    Find out how to improve your credit rating – and make it easier to borrow extra money when you need to.

    Know your loans

    Learn about secured and unsecured loans

    This guide to borrowing covers some of the key factors you should consider when choosing the best loan for your needs.

    Understanding loan rates

    What's an APR?

    We explain what APR means – and the difference between representative and personal APR.

    money-mentors-group-on-beach

    Barclays Money Mentors

    Borrowing to pay for those little extras

    Home improvements, buying a car or splashing out on something special? Barclays Money Mentors can guide you through the best options for you.

Personal loan questions and answers

What can I use a personal loan for?

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-related expenses
  • Repaying CCJs (County Court Judgments)
  • A purchase made by combining this loan with any others

Do I qualify for a personal loan?

If you have a current account with us or a Barclaycard, we could tell you your personal rate up front – this won’t affect your credit score.

Here’s what we consider when you apply for a loan – whether your income is high enough to make the payments, your credit score, and how long you’ve banked with us. You also need to have a current account with us or a Barclaycard, live in the UK and be 18 or over.

Make sure you read everything before you apply.

Can I top up my loan at any time?

You can top up your loan at any time, but you’ll need to have had your loan for at least three months, and you’ll need to apply for this, then we’ll let you know our decision.

All loans are subject to your financial circumstances and borrowing history at the time you apply.

Can I choose my payment term?

 Yes – you can choose your term. Our calculator lets you see how different terms affect the rate you’ll pay.

Can I pay my loan off early?

Yes, you can pay off your loan early – in part or in full – whenever you like. There’s no minimum repayment period. If you repay it in full, you’ll pay the outstanding balance, as well as any other interest that’s due.

Talk to us about loans

Online or in-app

Check to see if you’re eligible to apply for a loan in Online Banking or your app now.

Please note that we might not have all the information we need to show you a provisional loan limit.

Over the phone

If you have any questions, you can speak to a lending specialist on 0345 734 5345 4

Visit us in branch

We’re on hand if you’d like to discuss your options in person. You can find your nearest branch and opening times here.