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Your loan options


  • Barclay loan

    Personal loans

    You can check to see if you have a personalised price quote in Online Banking or Barclays Mobile Banking – without affecting your credit score. You’ll need a Barclays current account and to be registered for online or mobile banking.

    • 4.9% APR representative on Barclayloans of £7,500 to £15,000 1 for terms between 2 and 5 years
    • Get the same rate no matter what you’re borrowing for
    • Price guarantee: if you find a like-for-like loan with a lower APR, we'll match it 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.

    • 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


If what's coming into your account isn't covering what's going out, an overdraft could help tide you over until it does.

  • Clear daily fees - just 1 a day
  • Emergency Borrowing and £15 buffers to avoid charges
  • Free Text Alerts to keep track of your money


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 Barclays 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 to have a Barclays current account and be registered for Online or Mobile Banking. Not all customers can use these channels to apply for a Barclayloan, or to view their personalised price quote or provisional loan limit, and certain restrictions apply. Contact us to discuss your options.
4. 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
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