Barclayloan – personal loans

Borrowing built around you as a Barclaycard customer

If you have a Barclaycard, you could get a loan with us. What's your personal loan rate?

Your rate may differ from the representative APR. Loans are subject to status. Early settlement fees apply.

✔ Entirely online application process

✔ Check your personalised rate before you apply

✔ Viewing your loan rate won’t affect your credit score

0 APR Representative
on loans of

over 2-5 years. (Your rate may differ 1 )

  • Personal loans for Barclaycard customers

    As a Barclaycard customer, you’ll get a personalised loan rate from us – not the representative APR that most people get. We’ll show you the exact rate you’ll get if you take out the loan today.

    There’s no need to apply and we’ll only carry out a simple credit check to show you your rate – so there’s no effect on your credit rating. All you need to do is fill in our form and you can see your personalised rate before you apply.

    And if you want to apply after you’ve seen your rate, the application process is entirely online, for your convenience.

    What you get

    ✔ No effect on your credit score when you view your personalised rate

    ✔ If your application’s approved, we can often transfer the money to your current account straightaway2

    ✔ Price guarantee – find a like-for-like unsecured loan with a lower APR and we’ll match it – conditions apply3

    ✔ The same personalised rate no matter what you’re borrowing for

    ✔ Fixed monthly payments, helping you to budget

    All loans are subject to status.

    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:

    ✔ A Barclays current or savings account, mortgage or Barclaycard

    ✔ UK residency

    ✔ To be aged 18 or above


    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


  • Our lending commitments and what we ask of you

    As a lender, we have a responsibility to act fairly and as part of this we have committed to follow the Standards of Lending Practice. This note sets out some of our key responsibilities and what we ask of you, to ensure that the relationship works well for both of us.

    • We will lend responsibly and aim to provide a product that is affordable for you.
    • We will provide you with information about our products and services and how they work, in a clear and understandable way, so that you can decide what’s best for you and your needs.
    • We will endeavour to make sure our products and services offer, wherever possible, the flexibility to meet your needs.
    • We will treat you fairly and reasonably at all times and make sure that you are provided with a high level of service.
    • If you tell us about any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right.
    • We will always aim to help you if we see, or you tell us, that you are having trouble financially. We will seek to understand your overall circumstances, try and identify options that you can afford and where appropriate, provide a reference to free debt advice.

    What we ask of you

    • We ask you to think carefully about whether you can afford to repay the money you want to borrow and to be open in your dealings with us.
    • Take care of any cards, PINs, online log-in details and other security information to help prevent fraud and help us to protect your accounts.
    • Tell us as soon as possible if your card has been lost or stolen, or if you know or suspect someone is misusing your confidential information e.g. your PIN or online log-in details.
    • Carefully check your account statements to make sure they are accurate. If anything isn’t right, please get in touch with us.

    Please let us know if

    • Your contact details change, so we can keep our records up to date.
    • Your circumstances change, particularly if what’s happened is likely to cause you difficulties in managing your account or financial problems.
    • You think that you won’t be able to keep up with your repayments. The sooner you do this, the more likely it is we’ll be able to find a way to help you.

    We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.

How much would you like to borrow?

You can use this calculator to gauge your loan rate and repayments.
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.

mths 0
Monthly repayment

The same every month

Total amount payable

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
  pa (fixed).
Monthly repayment of  .
Total amount payable  .

Representative APR applies to loans of

How to apply

If you bank with us, we could tell you your personal loan rate up front – just make sure you’ve read the information on this page before you apply.

Get your personalised price quote

Fill in our form to find out your personalised rate, without affecting your credit score - just make sure you’ve read the information on this page before you apply.

Get your personalised rate

Help and tools

Guides and FAQs

Here you’ll find information about borrowing, credit ratings and dealing with debt.

Budget planner

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