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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.

Personal price quote – with no credit footprint

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

Quick access to your funds2

0 APR Representative
on loans of
0

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

Coronavirus and your Barclayloan

If you’re worried about making your loan repayments during the coronavirus situation, read our FAQs to see how we can help.

Benefits

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.

Consolidate straightaway

You could consolidate your borrowing 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. Stay on top of your borrowing with one, simple monthly payment.

Take control of your debt with a Barclayloan

Having just one loan could be more straightforward and easier to manage than a number of payments to different lenders.
But it’s worth noting that consolidating debts might involve payment of a higher rate of interest or charges – or both. Consolidating debts might also increase the overall period required for repayment.

Calculate your options

How much would you like to borrow in order to consolidate your debt?
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.

Amount
Amount
Term
Term
Months
months0
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 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.

Consolidating your debts

Spending on credit can seem like the norm for many people. But when debts mount up with different creditors, it’s easy to feel like you’re not in control of your finances. There are different options you could consider to consolidate your debt.

Need some more help?

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.

money-mentors-group-on-beach

Barclays Money Mentors

Borrowing to pay for those little extras

Home improvements, buying a car or splashing out on something special? Barclays Money Mentors can guide you through the best options for you.

Understanding loan rates

What's an APR?

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

Talk to us about loans

Over the phone

If you have any questions, you can speak to a lending specialist on 0800 716 5982 4.

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.