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.

✔ See if you’ve got a personalised price quote

✔ Loan terms up to 5 years1

✔ Fixed monthly payments

You could apply to borrow up to £50,000 in total.


See your new 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 top-up rate you’ll actually get, and the quote won’t affect your credit score.

Money straightaway

You could get your top-up 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 and stay on top of your top-up loan.

  • Top up your Barclayloan

    Topping up your Barclayloan could be a good option if you want to borrow more money.

    If you're registered for Online Banking or Barclays Mobile Banking and you already have a loan with us, you could top it up online up to £50,000. The amount will depend on your current status and is subject to application. Topping up gives you the cash you need – whether it’s for a new car, renovations or consolidating existing debts.

    How topping up works

    When you top up a loan, we don’t actually add money to it. Instead, we set up a new loan for the remaining balance plus the extra amount you want to borrow.

    For example, if your current loan is £5,000 and you want to borrow an extra £2,000, we’ll open a new loan for £7,000 and pay off the first loan, leaving you with the remaining amount. Early repayment charges apply on the first loan.

    The new loan may have a different interest rate from your initial loan, and the term might be different, too. This may mean that you’d pay more interest than you did before.

    You could take out an additional loan

    There may be times when you don’t want to top up an existing loan. This may be because you took your current loan for a specific reason and want to keep the repayments separate. In this case, you could consider taking out a second Barclayloan and having 2 separate repayments.

    Why top up your Barclayloan?

    You could borrow up to £50,000, depending on your circumstances. This amount includes your existing loan. Check now to see if you have a provisional loan limit in Online Banking or Barclays Mobile Banking2.

    One fixed, monthly repayment to help you budget

    Loans are available for repayment terms of up to 5 years, or up to 10 years on certain amounts, for selected, existing customers.

    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.


  • You may be eligible to top up your Barclayloan online if you:

    ✔ Have an existing Barclayloan (for more than 3 months)

    ✔ Pay at least £1,000 into your Barclays current account each month

    ✔ Have managed your account well and have a good credit history – eg, you’ve not defaulted on a previous loan

    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
  • 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 to apply

See if you can apply for a top-up loan in Online Banking – or Barclays Mobile Banking if you’re registered2. Just make sure you’ve read the information on this page first.

Top-up loan

Log in to Online Banking here to find out if you have a provisional loan limit and can apply for a top-up loan.

Additional loan

Log in to Online Banking to see if you have a provisional loan limit and can apply for an additional loan.

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

    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.

    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 rating2

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

  • Helpful guides

    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.

    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 3.


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.