Car loans

Secure a better deal with a loan.

See our loans

Get the wheels in motion with a car loan from Barclays and your next purchase could be just around the corner.

Subject to application, financial circumstances and borrowing history.

Personal price quote – with no credit footprint

Apply in Online Banking or the Barclays app – most people apply in less than 10 minutes¹

Get quick access to your money if we approve your loan²

0 APR Representative
on loans of
0

over 2-5 years. (Your rate may differ³)

What is a car loan?

A car loan is a way to borrow some or all of the money you need to buy a car.

How do car loans work?

Apply online or in the Barclays app
We’ll let you know if we can lend you the money
If we approve your application, we’ll pay the money into your account straight away²

You can see what your monthly repayments would be using our calculator.

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.

Choose your payment term

The maximum loan repayment term is 5 years.

You can get an idea of the rates and charges before taking out a loan by using our loan calculator. Please see the representative example below.

Repaying your loan early

You can repay your loan early, in part or in full, whenever you like – there’s no minimum repayment period.

If you repay it in full, you’ll pay the outstanding balance, as well as any other interest that’s due. You can see what your full early payment amount would be at any time in Online Banking or your Barclays app.
To apply online, you'll need to

Have a Barclays current account or Barclaycard account

Be a UK resident

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
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.

Go to application
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.

Try our car loan calculator

Enter the amount you’d like to borrow and our car loan calculator will do the rest. The loan calculator results are based on the representative APR for the amount you enter. The representative APRs shown are based on all loan applications made by Barclays customers. Your actual rates and repayments might differ, and will be based on your personal circumstances, the loan amount and term.

Amount

Term in Months

Term

months

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
per annum (fixed) .
Monthly repayment of .
Total amount payable .

Representative APR applies to loans of

How to apply

If you have a current account with us or a Barclaycard, we could tell you your personal loan rate upfront – without affecting your credit score.

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

Lending and guidance

We have lots of additional information, options and tools to help you when buying a car.

All borrowing is subject to application, financial circumstances and borrowing history.

Car finance Car finance
Other ways to borrow Other ways to borrow

Select

Car finance

Car-buying tips

What to think about before and after you buy

Whether it’s brand new or just new to you, check out our tips on what to consider when buying your car.

Tips for buying a car

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.

About credit ratings

Understanding loan rates

What's an APR?

We explain what APR means – and the difference between representative and personal APR.

APR explained
Other ways to borrow

Barclaycard

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

Explore credit cards

Overdrafts explained

A short-term safety net

Discover how overdrafts work and how to stay on top of your finances.

Explore overdrafts

Barclayloan

See what your loan could look like with a personalised quote.

Get a Barclayloan

Other ways to borrow

There might be other ways to borrow that are better for you than a loan, depending on your needs.

Borrowing options

Talk to us about loans

Car loan questions and answers

What do you need to qualify for a car loan?

Here’s what we consider when you apply for a loan – whether your income is high enough to make the payments, your credit score, and how long you’ve banked with us. You also need to have a current account with us or a Barclaycard, live in the UK and be 18 or over.

What is a PCP car loan?

A personal contract purchase (PCP) is a way to help you get a car without paying the full price upfront. You put down a deposit and make monthly payments that enable you to use the car until the end of the agreed term. Then you can decide to give the car back or make a final payment to buy it outright.

Can you pay off a car loan early?

You can pay off your car loan early – if you do this, you’ll pay the outstanding balance, as well as any other interest that’s due.

What happens if I’m late with my loan repayments?

If you fall behind on your payments, we’ll charge you fees for late payments. This could also impact your credit score. Give us a call if you’re having trouble making your repayments, or visit our page for tips on managing money worries.

Car loans

Top-up option

Choose your payment term

Repaying your loan early

You can use your loan for almost anything, apart from