Personal loan

Want to know your loan rate?

If you have a current account or Barclaycard with us, you can check to see if you have a provisional loan limit before you apply – without affecting your credit rating¹.

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 personal loan?

A personal loan could be a simple way to borrow, with a fixed interest rate that’s personal to you.

How do personal loans work?

We’ll tell you what your loan rate is before you apply – this won’t affect your credit score. Then you can apply in Online Banking or the Barclays app.

If we approve your application, we’ll pay the money into your account straight away.²

You’ll pay your loan back over your agreed term (or earlier, if you want to pay extra or repay sooner), until it’s all cleared.

All loans are subject to your financial circumstances and borrowing history at the time you apply.

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 or the Barclays app and we’ll take you to your saved application.

Log in to Online Banking
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 personal loan calculator

The 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 may 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, loan options and tools to help you.

Subject to application, financial circumstances and borrowing history.

Borrowing to suit you Your borrowing
Other ways to borrow Ways to borrow
Need some more help? More help?

Select

Borrowing to suit you

Car loans

Secure a better deal with a loan.

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.

See our loans

Consolidate your debt

Feel optimistic about your financial future

Take control of your borrowing by getting all your debts in one place with a Barclayloan.

Subject to application, financial circumstances and borrowing history.

Personal loan for debt

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, you could get more from your home.

Subject to application, financial circumstances and borrowing history.

A loan for your home

Top up an existing loan

Need a little extra?

If you have a Barclayloan but want more money, you could top it up or get another loan.

Subject to application, financial circumstances and borrowing history

Top up your borrowing
Other ways to borrow

Barclayloan

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

Get a Barclayloan

Barclaycard

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

Explore credit cards

Overdrafts

An overdraft may help you manage your money – and we make it easy for you to work out how much it could cost.

Overdraft options
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.

Help with credit ratings

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.

Learn about loans

Understanding loan rates

What's an APR?

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

APR explained

Barclays Money Mentors

Borrowing to pay for those little extras

Home improvements, buying a car or splashing out on something special? Barclays Money Mentors can guide you through the best options for you.

Explore Money Mentors

Personal loan questions and answers

What can I use a personal loan for?

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

Do I qualify for a personal loan?

If you have a current account with us or a Barclaycard, we could tell you your personal rate up front – this won’t affect your credit score.

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.

Make sure you read everything before you apply.

Can I top up my loan at any time?

You can top up your loan at any time, but you’ll need to have had your loan for at least three months, and you’ll need to apply for this, then we’ll let you know our decision.

All loans are subject to your financial circumstances and borrowing history at the time you apply.

Can I choose my payment term?

Yes – you can choose your term. Our calculator lets you see how different terms affect the rate you’ll pay.

Can I pay my loan off early?

Yes, you can pay off 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.

Personal loan

Choose your payment term

Repaying your loan early