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Find the help you need
Use our loans help tool to find the information you need or see how you can get in touch – it only takes a minute.
Do you have a question about an existing loan?
Do you want to top up an existing loan or resume an application?
Do you want to apply for a new loan?
Do you have a different lending question?
If you have a Barclayloan but you’d like to borrow more money, you could top it up or get another loan (subject to application, financial circumstances and borrowing history).
Topping up your Barclayloan could be a good option if you want to borrow more money. If you're registered for Online Banking or the Barclays app and you already have a loan with us, you could top it up online up to £50,000. The amount will depend on your current status and is subject to application. Topping up gives you the cash you need – whether it’s for a new car, renovations or consolidating existing debts.
How topping up works
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 plus the extra amount you want to borrow.
For example, if your current loan is £5,000 and you want to borrow an extra £2,000, we’ll open a new loan for £7,000 and pay off the first loan, leaving you with the remaining amount. Early repayment charges apply to the first loan.
The interest rate and term of the new loan might be different to your initial loan, so you may pay more interest than you did before.
How to top up your Barclayloan
The Barclays app
- - Log in to the Barclays app and scroll down to the Products section
- - Tap 'Loans' – if you can’t see ‘Loans’, you might need to go to ‘View all products’
- - Read through all the information and, if you’re happy to proceed, tap 'See if you have a personalised rate'
- - A provisional loan limit may be displayed – this is an indication only and is not a guarantee of how much we will lend you
- - If you want to continue, tap 'Let's get started’ and enter some details
Online Banking
Log in to Online Banking to find out if you have a provisional loan limit and can apply for a top-up loan.
For more information, have a look at
How to resume your loan application
If you’ve started an application already, it’s easy to pick up where you left off – just follow the steps below
- - Log in to the Barclays app and scroll down to the Products section
- - Tap 'Loans' – if you can’t see ‘Loans’, you might need to go to ‘View all products’
- - If you’ve already started a loan application, you’ll be able to select ‘Resume application’ and continue where you left off
Online Banking
Log in to Online Banking to carry on with your application.
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
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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. Early repayment charges may apply. All loans are subject to your financial circumstances and borrowing history at the time you apply.
You can see if you’ve been preselected 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
For more information, have a look at
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 – this won’t affect your credit rating.
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 the Barclays app or Online Banking. If we approve your application, we’ll pay the money into your account straight away.
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. Early repayment charges may apply.
All loans are subject to your financial circumstances and borrowing history at the time you apply.
How to apply for a personal loan
You can see if you’ve been preselected 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.
For more information on loans, have a look at
- - Personal loan - want to know your loan rate?
- - Top up an existing loan - how to apply
- - Coronavirus and your Barclayloan
- - Loan calculator
You can also get in touch using the chat feature in the Barclays app or Online Banking.
How to apply for a personal loan
The Barclays app
- - Log in to the Barclays app and scroll down to the Products section
- - Tap 'Loans' – if you can’t see ‘Loans’, you might need to go to ‘View all products’
- - Read through all the information and, if you’re happy to proceed, tap 'See if you have a personalised rate'
- - A provisional loan limit may be displayed – this is an indication only and is not a guarantee of how much we will lend you
- - If you want to continue, tap 'Let's get started’ and enter some details
Online Banking
Log in to Online Banking to find out if you have a provisional loan limit and can apply for a new or top-up loan.
Coronavirus and your Barclayloan
If you’re worried about making your loan repayments during the coronavirus situation, our Barclayloan payment holidays page could help.
Personal loan FAQ
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 (this doesn’t include home improvements)
- - Gambling-related expenses
- - Repaying County Court Judgements (CCJs)
- - 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, 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
- - If your income is high enough to make the payments
- - Your credit score
- - How long you’ve banked with us
You also need to have a current account with us, 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?
Once you’ve had your loan for at least three months, you can apply for a top up. We’ll review your application and 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 loan 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, but you’ll need to have had it for at least three months and we’ll charge you a fee equal to 30 days’ interest on the amount you’re repaying, plus any other interest that’s due.
More information
We have lots of additional information, loan options and tools to help you – have a look at our ‘Lending and guidance’ section to learn more.
If you need help, take a look at the ‘Get in touch’ section below and choose the topic that applies to you.
You can also get in touch using the chat feature in the Barclays app or Online Banking.
If you need help, take a look at the ‘Get in touch’ section below and choose the topic that applies to you.
You can also get in touch using the chat feature in the Barclays app or Online Banking.
Get in touch
Important Information
* We’re experiencing a high number of calls at the moment, which is having a big impact on waiting times.
Calls may be recorded so that we can monitor the quality of our service and for security purposes.