Manage the cost of your trip
Worried about paying for your entire holiday upfront? You could spread the cost of your trip over a set period of time, to make paying it back more manageable.
Holiday loans
How to pay for your holiday
A holiday loan is when you take out a personal loan to cover the cost of your next break, so you don’t have to worry about paying for your trip all at once.
All loans are subject to your financial circumstances and borrowing history at the time you apply.
Benefits
Your payments and term won’t change
We’ll give you a fixed payment and term, so you’ll always pay the same amount and know when your loan will end.
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To apply online, you'll need to
Have a current account with us or a Barclaycard
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
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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.
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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.
Holiday loan calculator
How much would you like to borrow for your holiday? The results we are based on the representative APR. The representative APRs shown are based on all loan applications made by Barclays customers. Your actual holiday loan rates and repayments may differ and will be based on your personal circumstances, the loan amount and term.
Amount
Term in Months
The same every month
Loan required
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 may be eligible
You can see if you’ve been pre-selected to apply for a loan – this means you can see how much you may be able to borrow, and your personal rate, in a few minutes1. All you need for us to check is
A current account with us or a Barclaycard
Online Banking or the Barclays app
Looking for some holiday loan tips?
Here are a few things to think about, when you’re considering taking out a holiday loan.
Lending and guidance
We have additional information, options and tools to help you if you’re taking out a holiday loan.
All loans are subject to your financial circumstances and borrowing history at the time you apply.
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Other ways to borrow
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Barclaycard
Choose from our range of credit cards, which include cards for everyday purchases and balance transfers.
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Overdrafts explained
A short-term safety net
Overdrafts are a short-term way to borrow money up to an arranged limit. Discover how overdrafts work and how to stay on top of your finances.
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Need some more help?
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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.
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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.
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Understanding loan rates
What's an APR?
We explain what APR means – and the difference between representative and personal APR.
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Preparing for your holiday
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Travelling abroad?
Need some tips to help you plan your trip? We’re here to help you enjoy your travels, with cashback offers, holiday insurance and tips on taking care of your money while you’re away.
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Get peace of mind
Don’t let unexpected events spoil your trip – make sure you’re prepared with worldwide family travel insurance and comprehensive RAC breakdown cover.
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Get your holiday currency
Choose fast, free home delivery or collect your holiday cash at one of our branches. See our exchange rates and find out how fast you could get your money.
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 53454
Call us by video
Open this page on your mobile or tablet to video call us. Or you can video call us from your app.
