Can I top-up my existing personal loan?

If you already have a loan from us but are interested in further borrowing, you may be eligible to top it up

If you’re registered and are eligible, you can do this in Online Banking, through your Barclays Mobile Banking app, by Telephone Banking or in branch.

 

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 that 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, the term might be different, and you may have a different monthly repayment date (although you might be able to change this once the new loan is open). This all means that you could pay more interest than before.

  • Online banking

    To see if you can top up your loan in Online Banking, simply select your loan and then ‘Top up loan’ – this will appear if you are eligible. You can then follow the on-screen instructions. 

  • Mobile banking

    To see if you can top up your loan using your Barclays Mobile Banking app, select your loan and then ‘Personal loan’ – if you are eligible. You can then follow the on-screen instructions.

  • By phone

    You can call 0800 716 598* to discuss your loan top-up options. Lines are open Monday to Sunday, 8am to 10pm. 

  • Branch

    You can also visit a branch to discuss your top-up loan options.