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Personal loan

Want to know your loan rate?

If you have a current account with us, you can check to see if you have a provisional loan limit before you apply – without affecting your credit rating1.

All loans are subject to status. Early settlement fees apply.


✔ Personal price quote – with no credit footprint

✔ Quick and easy application2

✔ Comes with a price guarantee (conditions apply)

0 APR Representative
on loans of
0

over 2-5 years (your rate may differ3 )

  • Why get a Barclayloan?

    Know your personal rate before you apply

    A representative APR is the rate that most people will get, but yours could be different. With some lenders, you won’t know your actual rate until you’ve applied. And if you’re not happy with the APR you’re offered, your credit rating could still be affected even if you don’t take out the loan. We’re different – in many cases we can give you a personalised price quote up front, with no impact on your credit score.

    You could get your money straightaway

    If you apply online1 and your application is approved, provided you can print or download your agreement and sign it online between 7am and 10:30pm, we'll usually transfer the money to your current account straightaway2.

    Price guarantee

    If you take out a Barclayloan 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. See our full price guarantee terms and conditions.

    Fixed monthly repayments

    Fixed repayments can help you to 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

    To apply online, you’ll need:

    ✔ A Barclays current or savings account, mortgage or Barclaycard
    ✔ UK residency
    ✔ To be aged 18 or above

    You can use your loan for almost anything, apart from:

    • Business reasons
    • Investments, including buying stocks and shares
    • Timeshares
    • Purchasing property (home improvements are fine)
    • Gambling-related expenses
    • Repaying CCJs (county court judgments)
    • A purchase made by combining this loan with any others
  • Resume an application

    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.

  • Our lending commitments and what we ask of you

    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.

    • We will lend responsibly and aim to provide a product that is affordable for you.
    • We will provide you with information about our products and services and how they work, in a clear and understandable way, so that you can decide what’s best for you and your needs.
    • We will endeavour to make sure our products and services offer, wherever possible, the flexibility to meet your needs.
    • We will treat you fairly and reasonably at all times and make sure that you are provided with a high level of service.
    • If you tell us about any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right.
    • We will always aim to help you if we see, or you tell us, that you are having trouble financially. We will seek to understand your overall circumstances, try and identify options that you can afford and where appropriate, provide a reference to free debt advice.

    What we ask of you

    • We ask you to think carefully about whether you can afford to repay the money you want to borrow and to be open in your dealings with us.
    • Take care of any cards, PINs, online log-in details and other security information to help prevent fraud and help us to protect your accounts.
    • Tell us as soon as possible if your card has been lost or stolen, or if you know or suspect someone is misusing your confidential information e.g. your PIN or online log-in details.
    • Carefully check your account statements to make sure they are accurate. If anything isn’t right, please get in touch with us.

    Please let us know if

    • Your contact details change, so we can keep our records up to date.
    • Your circumstances change, particularly if what’s happened is likely to cause you difficulties in managing your account or financial problems.
    • You think that you won’t be able to keep up with your repayments. The sooner you do this, the more likely it is we’ll be able to find a way to help you.

    We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.

How much would you like to borrow?

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
mths 0
Monthly repayment

The same every month

Total amount payable

Loan required

APR

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.

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 Barclays Mobile Banking

* You need to be registered for Online Banking or Barclays Mobile Banking. Not everyone is pre-selected – if you aren’t, you won’t be able to apply online or in mobile banking. Please get in touch to discuss your options.

Lending and guidance

We have lots of additional information, loan options and tools to help you.
All borrowing is subject to status.

Select
  • Borrowing to suit you

    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.

    How to consolidate your debt

    All your debts in one manageable loan

    If you’ve borrowed from different lenders, a debt consolidation loan could help you take control of your finances and keep track of your money.

    Loans are subject to status. Early settlement fees apply.

    Home improvement loan

    Spruce up your property

    Whether you’d like a new kitchen, or want to give your lounge a new lease of life, this loan is designed to help you get more from your property.

    Loans are subject to status. Early settlement fees apply.

    Top up an existing loan

    Need a little extra?

    If you already have a Barclayloan but could do with a little more money, you may be able to top it up or get an additional loan.

    Loans are subject to status. Early settlement fees apply.

  • Other ways to borrow

    Premier Barclayloan

    Exclusively available to Premier customers. See what your loan could look like with a personalised quote.

    Barclaycard

    Choose from our range of credit cards, which include cards for everyday purchases and balance transfers.

    Overdrafts

    Overdrafts

    An overdraft may help you manage your money – and we make it easy for you to work out how much it could cost.

  • Need some more help?

    Get a better credit rating

    Find out how to improve your credit rating – and make it easier to borrow extra money when you need to.

    Know your loans

    Learn about secured and unsecured loans

    This guide to borrowing covers some of the key factors you should consider when choosing the best loan for your needs.

    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.