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

✔ Comes with a price guarantee (conditions apply)

✔ 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).

  • Why get a car loan with us?

    Discover your loan rate before taking that test drive

    Knowing how much you can borrow really helps when hunting for a new or used car. And unlike some other lenders, in many cases we can give you a personalised price quote up front – with no impact on your credit score.

    You can check to see if you have a provisional loan limit before you apply. If you have a current account with us, simply log in to Online Banking or Barclays Mobile Banking, if you’re registered1.

    More bargaining power – sellers beware!

    It’s quick and easy to apply and, if your loan application is approved and you’ve signed your loan agreement online, the money is usually transferred to your current account straightaway3. This could give you more bargaining power in the showrooms and forecourts, as you’ll have the cash to hand.

    Price guarantee

    If you take out a Barclayloan for your car, 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.

    Fixed monthly repayments

    This could help you budget.

    Choose your payment term

    Depending on the loan amount.

    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

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 this loan. 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.

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 car4.

  • Finding a car that’s right for you

    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.

  • Buying a used car

  • Valuing a car

  • Car finance options

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

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.