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

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 straightaway4.

    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

  • Resume an application

  • Our lending commitments and what we ask of you

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.

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.

Lending and guidance

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

  • 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.

    Debt consolidation loans

    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.


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


    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.

    Find the best loan for you

    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 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.