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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.