Barclays Partner Finance

Personal finance for those larger purchases

What is Barclays Partner Finance?

Available through a variety of retailers, we provide finance options to help spread the cost of larger purchases into equal monthly payments over a fixed amount of time.

How it works

Spread the cost of your purchases over one to five years when you buy from our selected retail partners.

Different finance solutions are available, depending on what you buy. You can apply at the checkout in-store and online by answering a few questions about yourself and your finances. And most of the time, you get an instant decision. 

Managing your borrowing

Our automated service lets you manage your finance 24/7 – just call us to make a payment, or get a balance, statement or settlement figure.

Paying back your finance

We’ll send you a reminder five days before your first payment’s due, then simply set up a Direct Debit for your monthly payments. You’re free to make extra payments whenever you like, too. 

Available payment options

There are three types of finance available.

Interest-free credit

The purchase price is spread evenly into monthly payments over the term you choose. Your repayments will usually start a month after you’ve made your purchase.

Credit with interest

You’ll make fixed monthly payments for the term of your choice, which will include interest – the rate we offer you will be based on your application, financial circumstances and borrowing history.

Reusable credit account

Apply for an Amazon instalment plan at the checkout to cover your first purchase. If accepted, we’ll calculate a credit limit and monthly payment limit we think you can comfortably afford for your overall instalment account. You can then reuse your account for future purchases without reapplying, as long as you stay within your account limits. 

Our retail partners

You can use finance for larger purchases from a variety of retailers, including Wren, Wayfair and Pure Electric. Our dedicated Partner Finance website has more information.

Need some help?

If you’d like to talk to us about how partner finance works, or you have an existing loan, get in touch or read our answers to some common questions.