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Personal loans

Want to know your loan rate?

Wondering if the APR you see in an advertisement is the one you’ll get? We’ve made it possible for you to find out your personal loan rate, before you apply. What’s more, there’s no effect on your credit rating. All loans are subject to status. Early settlement fees apply.

4.9% APR Representative

on loans of

£7,500 to £15,000

over 2 – 5 years (your rate may differ )

  • Personal price quote – with no credit footprint
  • Quick and easy application
  • Comes with a price guarantee (conditions apply)
  • Barclayloan overview


    Use your loan for almost anything, from getting a new car to consolidating existing debt.

    Know your personal rate before you apply

    A representative APR is the rate that most customers will get, but yours could be different. With some lenders, you won’t know your actual rate until you’ve applied. And if you’re not happy with the APR you’re offered, your credit rating could still be affected even if you don’t take out the loan. But you could get a personalised price quote with us, so you’ll know your exact rate before you apply – and it won’t affect your credit score.

    You could get your money straightaway

    If you apply online and your application is approved, provided 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 straight away .

    Price guarantee

    If you take out a Barclayloan and another lender offers you a like-for-like unsecured loan with a lower APR, you can claim under our guarantee within 30 days of the date we signed your Barclayloan agreement. We’ll reduce the interest rate to produce an APR equal to the competing offer and recalculate your monthly repayments to reflect the reduced interest rate. Please see our full Price guarantee terms and conditions .


    Fixed monthly repayments

    to help you budget

    Choose your payment term

    depending on the loan amount

    Top-up option

    Already have a Barclayloan and need more funds? You can apply to increase your borrowing with us

    If you just want to take out a second loan instead of topping up, that’s always an option too.

    Repaying your loan early

    You have the right to repay your loan early, in part or full, at any time. We’ll charge a fee equal to 30 days’ interest on the amount you’re repaying, as well as any other interest that’s due.

  • Eligibility

    To apply online, you’ll need

    • Barclays current or savings account, mortgage or Barclaycard
    • UK residency
    • To be 18+ years old

    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 debts 
    • Repaying CCJs (county court judgments)
    • A purchase made by combining this loan with any others

How much would you like to borrow?

The calculator results below are based on the representative APR for the amount you enter. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term.

Premier loan – see how much you could borrow

Get an idea of your loan repayments and rates using our Premier Barclayloan calculator. The results will be based on the representative APR for the amount you enter. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and the repayment term. Loans are subject to status. Early settlement fees apply.





Months mths (0yrs)

Monthly repayment


The same every month

Total amount payable


Loan required 0



Based on the details you entered


Representative example


Loan amount



Term (months)



Monthly repayment



Total amount payable



Interest rate pa (fixed)




0.0% APR


Representative APR applies to loans of 0 0


How to apply

If you bank with us, we could tell you your personal loan rate up front, before you apply.

Barclays current account holders

If you have a current account wth us, we may already have a provisional loan offer ready for you. Just log in to Online Banking (or your Mobile Banking app, if you’re registered) now to check. If there’s no provisional loan limit, you could still get your personalised price quote .

Other Barclays account holders

If you have another Barclays account (like a Barclaycard) – or if you have a current account, but don’t have a provisional loan offer in Online Banking – you could still get a personalised price quote before you apply.

Want to speak to us about a loan?

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

  • Resume an application

    If you previously started to apply for a loan and saved your application, you can resume it in 2 ways – depending on how you applied initially.

    Online Banking

    Log in to Online Banking here, and we’ll take you straight to your saved application.

    Online application form

    If you started your application via our online form, we sent you an email with your reference number. Just enter this number to resume your Barclayloan application.

Other loan options

If you’re looking for an unsecured personal loan, we’ve got a choice of loans to suit your needs. Subject to status.

Top-up personal loan

Increasing your borrowing

Premier Barclayloan

Exclusive loans for Barclays Premier customers

Business loan

Get a business loan of up to £25,000

Professional and Career Development Loan

Start to repay when your course ends. Loans up to £10,000

Talk to us about loans


Other ways to borrow

If you need a little extra now and again, there may be some alternatives to choose from.

Credit cards

From your first credit card to making everyday purchases or transferring a balance

Personal overdrafts

Short term way of borrowing, up to an arranged limit