Loan calculator

How much could you borrow?

Use our loan calculator to get an idea of how much you could borrow, and what your repayments and interest rates could be – all before you apply.

Loans are subject to status. Early settlement fees apply.

✔ Check to see if you have a personalised price quote1

✔ Comes with a price guarantee (conditions apply)

✔ Calculate your potential repayments easily

0 APR Representative
on loans of

over 2-5 years (your rate may differ2 ).

How much would you like to borrow?

The calculator results here 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

  • Barclayloan overview

    Know your personal rate before you apply

    A representative APR is the rate that most customers will get, but yours could be different. With some lenders, you won’t know your actual rate until you’ve applied. And if you’re not happy with the APR you’re offered, your credit rating could still be affected even if you don’t take out the loan. We’re different – in many cases we can give you a personalised price quote up front, with no impact on your credit score.

    You could get your money straightaway

    If you apply online1 and your application is approved, provided you can print or download your agreement and sign it online between 7am and 10:30pm, we'll usually transfer the money to your current account straightaway3.

    Price guarantee

    If you take out a Barclayloan and another lender offers you a like-for-like unsecured loan with a lower APR, you can claim under our guarantee within 30 days of the date we signed your Barclayloan agreement. We’ll reduce the interest rate to produce an APR equal to the competing offer and recalculate your monthly repayments to reflect the reduced interest rate. Please see our full Price Guarantee terms and conditions.

    Simple loan terms

    You’ll get a fixed monthly repayment to help you budget.

    Plus, you can choose your payment term depending on the loan amount you want to borrow. This means that you can repay your loan over a longer or shorter period of time, to suit your needs.

    Top-up option

    Already have a Barclayloan and need more funds? You can apply to increase your borrowing with us.

    If you just want to take out a second loan instead of topping up, that could be an option too.

    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

  • Resume an application

  • Our lending commitments and what we ask of you

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.

Barclays current account holders

If you have the following, we may already have a provisional loan offer ready for you:

A current account with us

Online Banking or Barclays Mobile Banking*

Other Barclays account holders

If you don't have a provisional loan offer, you could still get your personalised price quote. You'll need:

A Barclays account – such as a Barclaycard

*Not everyone can apply for a Barclayloan, or view their personalised price quote or provisional loan limit online or in Barclays Mobile Banking – this is because certain restrictions apply. Please contact us to discuss your options.

Borrowing and money management

We have a range of loans and guides to help you manage your money.
All borrowing is subject to status.

  • Borrowing to suit you

    Debt consolidation loans

    All your debts in one manageable loan

    If you’ve borrowed from different lenders, a debt consolidation loan could help you take control of your finances and keep track of your money.

    Loans are subject to status. Early settlement fees apply.

    Home improvement loan

    Spruce up your property

    Whether you’d like a new kitchen, or want to give your lounge a new lease of life, this loan is designed to help you get more from your property.

    Loans are subject to status. Early settlement fees apply.

    Personal loan

    Want to know your loan rate?

    If you have a current account with us, you can check to see if you have a provisional loan limit before you apply – without affecting your credit rating4.

    All loans are subject to status. Early settlement fees apply.

  • Helpful guides

    What is a credit rating?

    Discover how to improve yours

    Learn why your credit rating is important, and how to improve it so you’re more likely to be considered for credit in future.

    Money worries

    Concerned about your finances?

    If your finances are under pressure and you’re struggling to pay the bills, see what we can do for you.

    Find the best loan for you

    Learn about secured and unsecured loans

    This guide to borrowing covers some of the key factors you should consider when choosing the best loan for your needs.

Talk to us about loans

Over the phone

If you have any questions, you can speak to a lending specialist on 0800 716 5982 5.

Visit us in branch

We’re on hand if you’d like to discuss your options in person. You can find your nearest branch and opening times here.