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St Remortgage Remortgagerefinancing J Remortgage Refinancing Szh Space Username Yifeng9587 Remortgage Refinancing Personal Loans from Barclays - Barclays

St Remortgage Remortgagerefinancing J Remortgage Refinancing Szh Space Username Yifeng9587 Remortgage Refinancing

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    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.

     

    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.