Make energy-efficiency improvements to your home with a personal loan

You can get up to £250 cashback. Terms and conditions apply.

You could get up to £250 cashback when you take out a loan and use the money on energy-efficiency home improvements. This could be a heat pump, solar panels, insulation or something else. All you have to do is apply for a personal loan and select ‘Greener home’ as the loan purpose. Terms and conditions apply.

Subject to application, financial circumstances and borrowing history.

6.3% APR Representative

on loans of

£7,500 - £15,000

over 2-5 years, (your rate may differ*)

*The rate you’re offered may differ from the Representative APR shown and will be based on your personal circumstances, the loan amount and the repayment term.

All loans are subject to your financial circumstances and borrowing history at the time you apply. Eligibility and conditions apply. You must be a UK resident to apply.

About this offer

  • This offer is open to Barclays current account customers only. It follows our standard application process, so the APR will be based on personal circumstances, the loan amount and the repayment term 
  • You can borrow between £1,000 and maximum of £50,000 
  • You must pay the loan back between two and five years (but remember to claim your cashback in the first 6 months) 
  • To claim the cashback reward, at least 90% of the loan proceeds must be spent on eligible home improvements. Terms and conditions apply.

How do I apply for a loan?

Good news – application is easy and quick:

You need to be registered for Online Banking or the Barclays app. It usually takes less than 10 minutes to apply. If you need to register first, it will take longer.

You can get a quote up front, and if we approve your application, we’ll pay the money into your account straightaway**.

**As long as you sign your agreement online between 5am and 11pm, you’ll usually get your money straightaway (within a few minutes). If you don’t bank with one of the main UK high street banks, it can take up to a couple of hours. If you sign after 11pm, you’ll usually get your money before 9am the next day.

Please note, you must be a UK resident and have a Barclays current account to qualify. Subject to application, financial circumstances and borrowing history.

How much cashback could I get?

You could be eligible for: 

  • £50 cashback on a loan up to £1,999
  • £100 cashback on a loan between £2,000-£4,999
  • £250 cashback on a loan of £5,000+.

How do I claim my cashback reward?

Step 1

Apply for a personal loan. Under ‘What do you need the money for?’ choose ‘Greener home’ as the loan purpose.

Step 2

If your loan’s approved, we’ll email you instructions on how to claim your cashback.

Step 3

Get a VAT registered installer or tradesperson to carry out the works and submit their invoice to us (within 6 months of your loan application).

Step 4

Wait for email confirmation.

We’ll let you know if your claim has been accepted and the cashback will be paid directly into your Barclays current account.

Once you’ve been approved for a loan, to be eligible for cashback you must:

  • Spend at least 90% of your loan – e.g. £1,800 of a £2,000 loan – on eligible energy-efficiency home improvements (see table below for more info)

  • Make energy-efficiency improvements to your permanent residence only – you can’t claim for buy-to-let properties, second or holiday homes

  • Get a VAT registered installer or tradesperson to complete installation (MCS registered for solar energy and low carbon heating).

Please also be aware that: 

  • You’re limited to one cashback reward per property
  • If you’re topping up an existing loan, you’ll only be able to claim the reward for the additional Greener Home borrowing
  • Cashback will only be paid if you have an open loan and are not in arrears
  • Changes to existing energy-efficient features are not eligible for cashback
  • You have 6 months from the loan application to claim your cashback reward.

Which home improvements are eligible for cashback?

We’ll only approve a cashback claim for the following energy-efficient home improvements:

  • Air source heat pump 
  • Ground source heat pump
  • Biomass pellet boiler.
  • Solar thermal (solar hot water heating)
  • Solar electricity panels (photovoltaics)
  • Solar battery storage.
  • Loft and pitch roof insulation
  • Flat roof insulation 
  • Cavity wall insulation 
  • Room-in-roof insulation 
  • Underfloor insulation 
  • Suspended wooden floor insulation
  • Solid wall insulation 
  • Spray foam insulation is excluded.
  • A-rated double/triple glazing (single-glazing replacement)
  • Secondary glazing 
  • New insulated external doors (replacing single-glazed or solid doors installed before 2022).
  • Electric car charging point.

Please note, we can't give any advice on making energy-efficient home improvements. We suggest you speak to professional installers to find out more about the products they offer, where they come from, what the work involves, and what the expected cost and energy savings are. Make sure you do your own research and feel happy with your decision before going ahead.

There is no guarantee that any eligible home improvement you make under the loan will improve your property's EPC rating.

Are you also a Barclays residential mortgage customer?

If you are a Barclays residential mortgage customer, you may be able to claim the Greener Home Reward. You’ll need to make sure that any installers you use are Trustmark approved, as well as being VAT registered and MCS registered for solar energy and low carbon heating.

Find out more about the Greener Home Reward.