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.
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
Benefits
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 5am and 11pm
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.
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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
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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 the Barclays app if you’re registered1. 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.
Subject to application, financial circumstances and borrowing history.
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Borrowing to suit you
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.
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.
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.
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Other ways to borrow
There might be other ways to borrow that are better for you than a loan, depending on your needs.
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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
Online or in-app
Check to see if you’re eligible to apply for a loan in Online Banking or your app now.
Please note that we might not have all the information we need to show you a provisional loan limit.
Over the phone
If you have any questions, you can speak to a lending specialist on 0345 734 53452
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.
