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

  • Our lending commitments and what we ask of you

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.

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

Not sure what your monthly car budget should be? Use our budget planner to get a better idea.