Car loans

Secure a better deal with a loan.

Get the wheels in motion with a car loan from Barclays and your next purchase could be just around the corner.

Subject to application, financial circumstances and borrowing history.

Personal price quote – with no credit footprint

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

Get quick access to your money if we approve your loan2

0 APR Representative
on loans of

over 2-5 years. (Your rate may differ3)

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?

  1. Apply online or in the Barclays app
  2. We’ll let you know if we can lend you the money
  3. If we approve your application, we’ll pay the money into your account straight away2

You can see what your monthly repayments would be using our calculator.

Try our car loan calculator

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. 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

How to apply

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.

Apply for a car loan

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.

Lending and guidance

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.

  • Car finance
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    Car-buying tips

    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.

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    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.

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    A short-term safety net

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    See what your loan could look like with a personalised quote.

    Other ways to borrow

    There might be other ways to borrow that are better for you than a loan, depending on your needs.

Talk to us about loans

Online or in-app

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.

Over the phone

If you have any questions, you can speak to a lending specialist on 0345 734 5345 4

Call us by video

You can video call us from your app. Monday to Friday – 7am to 8pm.

Weekends and bank holidays – 9am to 5pm.

Car loan questions and answers

What do you need to qualify for a car loan?

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.

What is a PCP car loan?

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.

Can you pay off a car loan early?

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.

What happens if I’m late with my loan repayments?

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.