Debt switch estimator

Compare your borrowing to a single loan

Could consolidating your debts by switching lenders make financial sense? Use our estimator to find out.


Subject to application, financial circumstances and borrowing history.


Important information

This estimator allows you to enter existing debts and compare them with a new loan. It’s not linked to a loan from us, and we make no recommendations.

The results are an estimate and depend on the information entered. The estimated repayment date for your existing debt, including the cost of credit, is capped at 10 years. If it would actually take longer to pay off, then the cost of credit would be higher and repayment date later than shown. Please read about this estimator for more information.

Debt Debt details

It’s worth noting that consolidating debts might involve payment of a higher rate of interest or charges – or both. Consolidating debts may also increase the overall period requirement for repayment. 

How much would you like to borrow?

The calculator results are based on the representative APR for the amount you enter. The representative APRs shown are based on all the loan applications Barclays customers have made.

Your actual rates and repayments may 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

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.

Have a current account with us?

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.