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.