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
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.
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.
The same every month
Based on the details you entered
based on a loan of
repayable over months
at an interest rate of
Monthly repayment of .
Total amount payable .
Representative APR applies to loans of
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.
Help and tools
Guides and FAQs
Here you’ll find information about borrowing, credit ratings and dealing with debt.
Not sure what your monthly car budget should be? Use our budget planner to get a better idea.