Secure a better deal with a loan.
What is a car loan?
A car loan is a way to borrow some or all of the money you need to buy a car.
How do car loans work?
You can see what your monthly repayments would be using our calculator.
To apply online, you'll need to
Have a Barclays current account or Barclaycard account
Be a UK resident
Be aged 18 or above
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.
What we ask of you
Please let us know if
We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.
Enter the amount you’d like to borrow and our car loan calculator will do the rest. The loan calculator results are based on the representative APR for the amount you enter. Your actual rates and repayments might differ, and will be based on your personal circumstances, the loan amount and term.
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
If you have a current account with us or a Barclaycard, we could tell you your personal loan rate upfront – without affecting your credit score.
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 or Barclaycard 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.
We have lots of additional information, options and tools to help you when buying a car.
All borrowing is subject to application, financial circumstances and borrowing history.
What to think about before and after you buy
Whether it’s brand new or just new to you, check out our tips on what to consider when buying your car.
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.
What's an APR?
We explain what APR means – and the difference between representative and personal APR.
Choose from our range of credit cards, which include cards for everyday purchases and balance transfers.
A short-term safety net
Discover how overdrafts work and how to stay on top of your finances.
See what your loan could look like with a personalised quote.
There might be other ways to borrow that are better for you than a loan, depending on your needs.
Check to see if you’re eligible to apply for a loan in Online Banking or your app now.
Please note that we might not have all the information we need to show you a provisional loan limit.
If you have any questions, you can speak to a lending specialist on 0345 734 5345 4
You can video call us from your app
. Monday to Friday – 7am to 8pm.
Weekends and bank holidays – 9am to 5pm.
Here’s what we consider when you apply for a loan – whether your income is high enough to make the payments, your credit score, and how long you’ve banked with us. You also need to have a current account with us or a Barclaycard, live in the UK and be 18 or over.
A personal contract purchase (PCP) is a way to help you get a car without paying the full price upfront. You put down a deposit and make monthly payments that enable you to use the car until the end of the agreed term. Then you can decide to give the car back or make a final payment to buy it outright.
You can pay off your car loan early – if you do this, you’ll pay the outstanding balance, as well as any other interest that’s due.
If you fall behind on your payments, we’ll charge you fees for late payments. This could also impact your credit score. Give us a call if you’re having trouble making your repayments, or visit our page for tips on managing money worries.
