Personal loans

9.9% APR representative on Barclayloan Plus loans of £5,000 to £25,000 ¹ for Barclays current account holders subject to eligibility criteria.
You could get your money in just 3 hours ² .
Price guarantee: Find a cheaper loan and we'll match it – and give you £50. ³

You could be eligible for a Barclayloan Plus if you have:

Held a Barclays current account with us for over 12 months
Paid at least £1,000 into your account each month
Managed your account well and have a good credit history – for example, you have not defaulted on previous lending commitments

Representative example
9.9% APR representative on Barclayloan Plus. Based on a loan of £10,000 over 60 months at an interest rate of 9.930% pa (fixed). Monthly repayment £212.13. Total amount payable £12,727.80.

Important information you need to know about Barclayloan Plus

Making the application

It's simple and straightforward. If you are registered for Online Banking you could have your money in your account within 3 hours of applying. ²

Alternatively, give us a call on 0800 092 3676 ⁴ or pop into your local branch.

What you can use a Barclayloan Plus for

You can apply for a Barclayloan Plus for almost any purpose. Exclusions include: borrowing for business reasons; for investment purposes, including buying stocks and shares; property finance, including purchases, part payment or deposits on purchases, property development (home improvements are fine) and time shares; the repayment of CCJs or gambling debts; as a deposit for something you’ll be buying using funding from another lender.

The amount you can apply to borrow

You can choose to apply for a loan of between £5,000 and £25,000 in multiples of £100, over a repayment period from 2 to 5 years. Please note: while repaying over a longer period may mean lower monthly repayments, the overall cost of borrowing may be higher.

How we determine the interest rate you will pay

The rate you are offered is based upon your personal situation, the loan amount and repayment term. Interest is calculated daily on the outstanding loan balance. The first month of your loan term is interest free. However if you settle your loan before you have made more than half of the monthly payments provided for in your agreement, you will pay the interest which would otherwise not have applied for that first month.

Fixed monthly repayments

The interest rate is fixed for the life of your loan and so your monthly repayments will not change which could help you budget more easily.

Making your fixed monthly repayments

Your fixed monthly repayments will be paid by direct debit. The first monthly repayment is due 2 months after the date the loan has been opened. After the first payment, you can change the repayment date to one more suitable to you, although additional interest will be applicable.

When you can receive your money into your Barclays account

Apply in branch and if approved, you could have your money in your Barclays account before you leave. Apply by phone on a working day (Monday to Friday excluding Bank Holidays) and if your loan is approved, and you sign your agreement in Online Banking before 2pm, we’ll transfer the money to your Barclays account before 5pm (apply after 2pm, and we’ll transfer the money on the next working day).

If you’re not already registered for Online Banking or you’ve forgotten your log-in details, you’ll need your Barclays debit card to register and/or sign. No internet access? We’ll post your agreement for you to sign and return, and then we’ll transfer the money into your account as soon as we get it back signed.

Repaying your new loan early

You can also repay your loan earlier than planned in full or in part at any time. An early settlement fee of 30 days' interest on the loan balance outstanding at the settlement date will be payable in addition to any other interest due.

Monthly repayments:	£
Total amount repayable:	£
APR:	%

This quote is for illustrative purposes and is valid for today only.

Apply now for Barclayloan Plus

Apply online if you are registered for Barclays Online Banking.
If you're not registered for Barclays Online Banking, register here to apply.

Other ways to apply

Come in and see us to apply for a loan – find a branch or if you'd rather talk to us you can call 0800 716 598 ⁵

Don’t meet the eligibility criteria?

Don’t worry – you may still apply online for a Barclayloan.

Barclayloan for loans of between £1,000 and £25,000
Fixed monthly payments which could help you budget more easily
Find out more about Barclayloan

Other products to consider

Homeowner loans – Borrow £3,000 to £100,000 at flexible terms

Top up an existing loan – Get extra cash when you need it

Credit cards – See our latest balance transfer offer

Important information

1. The rate which you are offered is based upon your personal situation, the loan amount and may also depend on the repayment term. Eligibility criteria and conditions apply. You must be a UK resident to apply. Loans are subject to your circumstances at the time of applying. The rate offered may differ from the representative APR.

2. Only applies to customers who have already registered for Barclays Online Banking and who log in to apply using their PINsentry or passcode and memorable word. We'll transfer the money to your Barclays account before 5pm as long as you apply on a working day (Monday to Friday), your loan is approved, you can print off your agreement and you sign your agreement in Online Banking before 2pm on the same day. Sign online after 2pm and we’ll transfer the money the next working day. If you're not eligible to complete your application in Online Banking (for example, you do not have a Barclays current account), please visit your nearest Barclays branch and one of our advisers will assist you with your loan application.

3. If you’re offered a better deal on an unsecured loan anywhere else and claim within 30 days after your Barclayloan/Barclayloan Plus has been approved, we’ll pay you the difference each month, plus a one off payment of £50. The one off payment of £50 is payable after you make your first monthly repayment.

4. We want to provide you with an excellent service, so we may monitor and/or record calls.

5. Lines are open Monday to Sunday 8am-10pm. To maintain a quality service, we may monitor and record phone calls. Read our call charges and information

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