Loan calculator

Optimise your borrowing

Our loan calculator gives you a realistic idea of how much you could borrow and what your repayments and interest rates could be.

Subject to application, financial circumstances and borrowing history.

Try our loan repayment calculator

Work out how much you'd like to borrow with our loan repayment calculator. The results are based on the representative APR for the amount you enter. The representative APRs shown are based on all loan applications made by Barclays customers. Your actual rates and repayments might differ and will be based on your personal circumstances, the loan amount and term.

Term in Months

The same every month

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
  per annum (fixed) .
Monthly repayment of  .
Total amount payable  .

Representative APR applies to loans of


See your rate

We’re different to most other lenders – in many cases we’ll give you a personalised price quote up front. You’ll see the rate you’ll actually get, and the quote won’t affect your credit score.

Money straightaway

You could get your money straightaway, as long as you

  • Apply online or in your app and your application is approved
  • Sign your agreement online or in your app between 5am and 11pm

Fixed monthly repayments

Your repayments will be fixed, and you can choose your payment date, to help you budget.

How to apply

If you have a current account with us, we could tell you your personal loan rate up front – and it won’t impact your credit score. Just make sure you read everything on this page before you apply.

You may be eligible

You can see if you’ve been pre-selected to apply for a loan – this means you can see how much you may be able to borrow, and your personal rate, in a few minutes*. All you need is

A current account with us

Online Banking or the Barclays app

* You need to be registered for Online Banking or the Barclays app. Not everyone is pre-selected – if you aren’t, you won’t be able to apply online or in the app. Please get in touch to discuss your options.

Borrowing and money management

We have a range of loans and guides to help you manage your money.

Subject to application, financial circumstances and borrowing history.

  • Borrowing to suit you

    Consolidate your debt

    Feel optimistic about your financial future

    Take control of your borrowing by getting all your debts in one place with a Barclayloan.

    Subject to application, financial circumstances and borrowing history.

    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, you could get more from your home.

    Subject to application, financial circumstances and borrowing history.

    Personal loan

    Want to know your loan rate?

    If you have a current account or Barclaycard with us, you can check to see if you have a provisional loan limit before you apply – without affecting your credit rating1.

    Subject to application, financial circumstances and borrowing history.

  • Helpful guides
    A man wearing protective gloves sits behind a motorbike in a workshop

    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.

    Managing money problems

    Worried about your finances? Our practical advice can help you tackle money troubles, improve your financial habits and find the support you need.

    Know your loans

    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

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.

Over the phone

If you have any questions, you can speak to a lending specialist on 0345 734 5345 2

Call us by video