Car loans

Driving a better deal with a loan

When it comes to buying your next car, knowing you’ve got the money in your back pocket can help you get a better deal.

Loans are subject to status. Early settlement fees apply.

Check to see if you have a personalised price quote1

Apply in Online Banking or Barclays Mobile Banking – most people apply in less than 10 minutes1

Easily calculate your potential repayments – all before taking a test drive

0 APR Representative
on loans of

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


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.

Buy straightaway

You could get the money to buy your car 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 7am and 10.30pm

Fixed monthly repayments

Your repayments will be fixed, and you can choose your payment date, to help you budget and stay on top of the cost of your new car.

  • 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.

    Choose your payment term

    Depending on the loan amount.

    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.

  • To apply online, you'll need

    A Barclays current account

    UK residency

    To be aged 18 or above

    You can use your loan for almost anything, apart from

    • Business reasons
    • Investments, including buying stocks and shares
    • Timeshares
    • Purchasing property (home improvements are fine)
    • Gambling-related expenses
    • Repaying CCJs (county court judgments)
    • A purchase made by combining this loan with any others
  • If you’ve started an application already, it’s easy to pick up where you left off.

    Log in to Online Banking here, and we’ll take you to your saved application form.

  • As a lender, we have a responsibility to act fairly and as part of this we have committed to follow the Standards of Lending Practice. This note sets out some of our key responsibilities and what we ask of you, to ensure that the relationship works well for both of us.

    • We will lend responsibly and aim to provide a product that is affordable for you.
    • We will provide you with information about our products and services and how they work, in a clear and understandable way, so that you can decide what’s best for you and your needs.
    • We will endeavour to make sure our products and services offer, wherever possible, the flexibility to meet your needs.
    • We will treat you fairly and reasonably at all times and make sure that you are provided with a high level of service.
    • If you tell us about any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right.
    • We will always aim to help you if we see, or you tell us, that you are having trouble financially. We will seek to understand your overall circumstances, try and identify options that you can afford and where appropriate, provide a reference to free debt advice.

    What we ask of you

    • We ask you to think carefully about whether you can afford to repay the money you want to borrow and to be open in your dealings with us.
    • Take care of any cards, PINs, online log-in details and other security information to help prevent fraud and help us to protect your accounts.
    • Tell us as soon as possible if your card has been lost or stolen, or if you know or suspect someone is misusing your confidential information e.g. your PIN or online log-in details.
    • Carefully check your account statements to make sure they are accurate. If anything isn’t right, please get in touch with us.

    Please let us know if

    • Your contact details change, so we can keep our records up to date.
    • Your circumstances change, particularly if what’s happened is likely to cause you difficulties in managing your account or financial problems.
    • You think that you won’t be able to keep up with your repayments. The sooner you do this, the more likely it is we’ll be able to find a way to help you.

    We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.

Car calculator

How much would you like to borrow to get the car you want?
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.

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


How to apply

Find out the best way for you to apply for a loan.
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 Barclays Mobile Banking

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

Looking for some car-buying tips?

We’ve teamed up with the experts at RAC to bring you some information that may help when searching for and buying a new car3.

  • Like many people, your budget and the car’s price are likely to be the main deciding factors when buying a new car. So, once you’ve chosen the type of vehicle that’s best for your lifestyle – whether that’s a coupe, an estate or a 4x4 – you should consider the engine size and fuel type. These are the things that’ll determine the day-to-day running costs.

    You could also speak to friends and family to get an idea of how reliable their cars are.

    Once you’ve done this, you can gear up your search, either in the car showrooms and forecourts, or online.

  • When you’ve found a car that looks promising, you should arrange to see it and inspect it thoroughly – both inside and out. It helps to bring along a friend or family member for a second opinion.

    It’s also a good idea to write down the vehicle identification number and V5 serial numbers, and check them online to make sure they match the DVLA’s records.

    If you take a note of the licence plate, you can find out more about the car’s history by getting an HPI check online. This will tell you whether the car has ever been stolen, written off, had altered mileage or if there’s any outstanding finance.

    You should check the paperwork carefully – look for original versions of the V5 registration document and the MOT certificate. Do the seller’s details match the registration document exactly?

    Finally, take the car for a good test drive, for at least 30 minutes. No matter what a seller says about the condition of the vehicle, you need to try it for yourself.

  • Unless you really know your motors, understanding how much a used car is worth isn’t easy – but it doesn’t have to be guesswork.

    Trading in

    If you’re trading in your old car, you’ll want to get the most money you can, so being prepared for negotiations is key. Get a free trade-in valuation of your car online – before letting the dealership tell you how much it’s worth. You can use this valuation as leverage.

    Pricing and selling your car

    If you’re selling your car, you’ll want to make sure you choose a fair price for it. Setting the price too low will, of course, lose you money – but setting it too high will lose potential buyers’ trust, or may mean your car is overlooked entirely.

    Start by getting a free online valuation, and then find other ads for your car’s make and model for comparison.

  • Unless you’re a cash buyer, there are 4 main ways to pay for a new or used car:

    • Hire purchase (HP)
    • Leasing
    • Personal contract payment (PCP)
    • Bank loan

Lending and guidance

We have lots of additional information, options and tools to help you when buying a car.
All borrowing is subject to status.

  • Car finance

    Car-buying tips

    Looking for a new or second-hand car?

    There’s a lot to consider when buying your next car. To make things a little easier, Jim Holder from What Car? shares 6 tips.

    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.

    Understanding loan rates

    What's an APR?

    We explain what APR means – and the difference between representative and personal APR.

  • Other ways to borrow


    Choose from our range of credit cards, which include cards for everyday purchases and balance transfers.

    Barclays Overdraft

    A short-term safety net

    Overdrafts are a short-term way to borrow money up to an arranged limit. We make the cost easy to see, and give you ways to help you manage your money.


    Premier Barclayloan

    Exclusively available to Premier customers. See what your loan could look like with a personalised quote.

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 0800 716 5982 4.


Call us by video

Open this page on your mobile or tablet to video call us. Or you can video call us from your app.